Robert
Buffalo,#2Consumer Suggestion
Fri, May 16, 2008
I had an issue with juno.com (they are netzero as well) when someone setup and account using my VISA card. According to Lt Wolf of the East Aurora PD, what identity thieves do is setup and internet account with a provider over the phone and then wait to see if the monthly service charge will go through. Lt Wolf informed me that these theives perfer to use these companies because they DO NOT REQUIRE any verification before setting up the account. All the thief needs is a credit card number. In my case, juno.com did NOT verify the address or phone number of the VISA card holder-me. They also didn't required the idenitfier/security code on the back of the credit card. In my case, the account was setup with a 30 free trial with the monthly charge to kick in after the free trial. No wonder identity thieves use these types of internet providers. You should report identity theft to your local police department. When you do, ask them for a copy of the report because you will need to mail a copy of the report to the 3 CRAs to place a one year "credit alert" on your credit files. What this does is alerts everyone to contact you/verify it's you before establishing any new credit in your name. After you report the identity theft to the CRAs, you are entitled to 2 FREE credit reports from each of them per the Fair Credit Reporting Act. This is in addition to the annual free credit report you are entitled to. Also, report this matter to your credit card company as identity theft. Your credit card company should go over all outstanding charges on your account with you over the phone and then they should issue you a NEW account/card and transfer the old balance to the new one and kill the old account. VISA did this for me and I had the NEW credit card in my hand before 11 am the next morning. I urge you to take these action to protect yourself. Once identity thieves mess up your credit it's a real mess. It can be fixed but it takes TIME and a lot of EFFORT on your part to get things squared away. Better to protect yourself NOW. Good luck.