First Premier Bank I never applied for credit card online Company sent card plus bill $170.00 fee Sioux Falls South Dakota
Some one filled out application online using my personal information. This credit card company never called me. I received a bill $170.00 charge in order to get credit of $70.00.
I am mentally disabled, in debt to doctors, hospital etc.
I don't know why they would even send me this card?
My live in caretaker spoke to manager explaining my condition. Manager was extremely nasty, demanding to speak with card holder. When I got on phone this manager continued to tell me I had no choice but to pay.
I did not purchase anything on said card. I am not going to pay for something I did not do. Now they are reporting me to credit departments. Some one used this card and spent $270.00.
The company did not even put a stop on the card when I asked them to. I can not afford an attorney and to date continue to receive nasty phone calls from this company every day morning, noon and night!
My mental state has gotten worse due to all this stress and harrasment. This company should be investigated. They illegally have all my personal information.
I am looking for help. I am afraid I will end up in hospital if this continues. My doctors have had to increase my medications. I am very depressed.
Look forward to hearing from you.
Karen
Belford, New Jersey
U.S.A.
1 Updates & Rebuttals
Benn
Eleva,Wisconsin,
U.S.A.
Help on the way
#2Consumer Suggestion
Wed, February 11, 2009
You can do this or have your care-taker either do it or assist you:
First in writting give power-of attorney to your care-taker (suggest spelling out only for this affair only) Power-of-attorney to act on your behalf to settle, manage, speak to, etc to First Premier, its employees, any agencies that it uses to attempt to collect on the debt and in court if need be. Have the letter notirized! ONLY spell out First Premier if you haven't given power-of-attorney to the caretaker to manage your financial affairs. (This is why First Premier couldn't talk to the caretaker the first time). Then when they come calling again you will need to fax or mail them the power of attorney and they can legally talk to that person now.
Second point: Immediately file a criminal report with the local police or sherriff's department stating that you are the victim of idenity theft. This must be done for the credit card company to show that your claim of identity theft is valid.
Third point: either unplug the phone from the back side of the phone, get caller ID or just don't answer the phone unless you are expecting a phone call from someone. I know funds are tight otherwise I would suggest getting a new unlisted phone number. Either way don't let them control you. You have the power NOT to answer the phone so DON'T unless needed.
Fourth point: now send a certified, return receipt letter stating that you are the victim of Identity theft (enclose a COPY of the police report with this letter) and tell them you are demanding that they cancel this account, block all future charges and stop attempting to collect. Place the tracing number on both pages and keep a copy for your records and sent it off immediately. When you receive the receipt requested card back in a few days I suggest stapling it to the letter and the police report and keep it all in a safe location.
Fifth point: both in writing and verbally tell them that they are NO LONGER allowed to contact you (you are not mentally able to speak for yourself Re: you have a power-of-attorney that will speak for you) and to stop all phone calls to either my place of business (I know you dont work but we are covering all bases here) and my residence. That all commincations are now to occur in writing to my power-of-attorney and that you are being notified to tell all other interested parties of the same requirements stand true to them.
Sixth point: either seek the help of a "free" legal agency in your area, the assistance of the mental health department in your county and/or the state agency that handles the affairs of credit card companies that do business in yoir state.
SO hope that wasnt to long for you but you MUST do all of this to preserve your legal rights. Have your power-of-attorney read this to help you please. My suggestion is call the local health department in your county for further assistance. That is what they are there for. While they can not help you directly with legal matters or talking to the credit card company, they will show you what you need to do or forward you to a person(s) that can assist you or act on your behalf.
Hope this helps you