this post was submitted on 01 Apr 2024
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Mildly Infuriating

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Wayfair's call center insists you give them your SSN before they'll file a report for credit fraud (self.mildlyinfuriating)
submitted 7 months ago by ExtraMedicated to c/mildlyinfuriating
24 comments fedilink hide all child comments
 

I just got a bill for a Wayfair credit card that was issued by Citi bank that I did not apply for. I never even shopped on that website.

I tried contacting both Citi bank and Wayfair, but since I don't have the full account number, I couldn't get past Citi's automated phone menu.

Wayfair's phone system was a fucking nightmare getting transferred to various departments, but eventually transferred me to a foreign call center where they insisted that they needed my social security number and birth date to file a report, but I'm not giving them that.

The best thing is that the scammer managed to get a higher credit limit than I was able to get on my own card.

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[–] [email protected] 1 points 7 months ago (1 children)

I would, but mine’s on an upswing right now.

[–] [email protected] 34 points 7 months ago (4 children)

Locking credit doesn't prevent it from changing, it just makes it so no one can get your report until you unlock it. This should be the default behavior, but it would prevent these companies from making as much money.

[–] [email protected] 7 points 7 months ago (1 children)

Oh! Thanks!

[–] [email protected] 15 points 7 months ago (1 children)

Yeah locking it just means nobody can open new lines of credit on the social security number. Then you can use multi factor authentication on the different bureau sites. You'll need to lock it on all three... Which sucks.

It's annoying, it's stupid that we have to do this. But you gotta look out for yourself.

[–] KnightontheSun 4 points 7 months ago

Most places I’ve seen this referenced it is called a “credit freeze”, but good advice nonetheless.

[–] [email protected] 3 points 7 months ago (1 children)

Why can’t a scammer who can get your credit report, also unlock your credit?

[–] LifeOfChance 6 points 7 months ago (1 children)

There is a randomly generated password you get when you freeze it. DONT LOSE IT!! Its a bitch to recover if you do. One of them gives you a list of like 25 different ones you can use (you just type one of the 25 from the list)

[–] [email protected] 6 points 7 months ago

Fascinating. After tens of thousands of years, the financial system discovers passwords.

[–] CrayonRosary 1 points 7 months ago

"I got to 800. Time to lock it in, go on a spending spree, and not pay anything back!"

[–] [email protected] 1 points 2 months ago

Thanks mate.