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Express credit Card - Give them PROPS!!!!!

July 30th, 2007 at 06:52 am

I just got off the phone with Express. The reason Express called me was not because they were so on the ball BUT because the ID thieves were really dumb and used my phone #.

Anyway, I just called them and chatted with them and get this. The amount charged up on this card was $0!!!!! They were stupid enough yes to issue the card. BUT you can't really fault them for that. However, the first charges were suspicious and so they DENIED them. They then called me.

Which means there was a $0 balance. OMG you don't know how relieved I am.

They are still sending me paperwork and stuff to investigate, but at least it's not a mark for my score to worry about. I Thanked them very much and told them they did what all the other cards should have done. Lowes was clueless. Macys & Sears said they had tried to call me, but they just let them max out the cards anyway. IT's like what, they were going to start denying charges AFTER the cards were maxed? they didn't notice anything weird until the cards were maxed?

Express checked my credit report twice yesterday that I know of, saw that suspicious activity, and DENIED the charges. just as any of them should have.

I will be sending them a nice letter. I hate the credit industry as a whole, but I feel grateful to them for being on the ball in this case.

-----------------------------------

Expenses I have incurred/will incur:

I will have to pay for a million ceritified mails which is not huge at least.

Looking at all the ID Theft Affidavits I have to file, I need to get them all notarized. I Cringed when I Saw that but my bank may offer free notary service. If not my co-worker will probably help me out for free or discount. I'll ask. She is a notary. who am I kidding - she will do it for free.

I signed up for a free 30-day credit monitoring because it is the only way I can figure to check my report vigilantly at all. IT wil cost me $12.95/month after the first month unless I cancel. I'll probably keep it a month or 2 for peace of mind. (YEah thanks 3 credit bureaus for the ONE free report. Not! I haven't even figured out how to look at Transunion yet and shudder to think there may be more on there. I think I will just pay the $10 to look today for peace of mind).

ETA: I just tried to pull my Transunion report at they won't let me look online since there is fraud alert on my account (nice to see it is working). It is frustrating though that Equifax & Experian let me see my free credit report right away, online, easy peasy. If I can find the time I will call them today and get my free report today. This is ridiculous. I just dread to see if there is more...

Or maybe I should just be happy they are taking more precaution. But mostly it is a PITA. YEah I will find out eventually, but I would like to know NOW what the credit report is showing so I can nip more in the bud I have to.

3 Responses to “Express credit Card - Give them PROPS!!!!!”

  1. Broken Arrow Says:

    Sweet!

  2. scfr Says:

    Thank you, thank you, thank you for sharing your experiences about this with us. I know that this is a frustrating and painful experience for you, but I'm sure I speak for all of us when I say we are learning so much from reading how you are handling it. If, God forbid, any of us find ourselves in the same situation, we will be much better informed about what to do.

    And, man, I hope they track those jerks down and punish them!

  3. frugaltexan75 Says:

    MM,

    I've had the same problem with getting my "free" report from Transunion - even without a fraud alert. I called customer service and they fixed whatever the problem was and I was able to view it for free. -- This has happened every time I've tried to do it online for the last three years - no problem with the other two.

    I'm so sorry you're going through all this, but am glad you caught it so soon!

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