Is this fraud?

HL83

Hello

Any advice is appreciated.

About 12 years ago I applied for a capital one card and had my mother as an additional card holder, I didn't ever use the card and she has always paid it. When I moved out I didn't update with my new address, I didn't even think about it as I never use or pay it. I have also married and changed my surname and moved as has my mother. She has changed the address when she has moved so the bills continue to go to her, we have never given it a thought until capital one sent a letter asking for proof of identity.
Now I am scared as it's my old name and mothers address.

There's never been an issue with the account and it's always been paid. I know I should have changed the address at the time and we have been quite stupid but it honestly never occurred to me until now.

I don't know how serious it is. Can I just explain to them or would I be better just transferring the balance and closing the account

Any advice would be greatly appreciated, thanks for reading.

Stevie_Palimo

It is family and I suspect they will just require the money paid in full and probably will close the account after as you should by rights have her as a 2nd user and you the main one.

HL83

Thanks for your reply


Would you tell them or just pay the balance and close?


She is named on the account, I don't suppose that makes a difference though


Thanks again

Stevie_Palimo

If she is named then can use the card and as such is not fraud barr the part you have not updated your name change and address details although not fraud they should still be told, Up to you either pay off in full and close or allow your mum to continue with using it if that suits you but make them aware of a change of details.

HL83

Thanks for your help

Eydon

HL83 wrote: »

She has changed the address when she has moved

I wouldn't have thought an additional cardholder would be allowed to change the billing address on an account.

Surely that should only be allowed by the primary cardholder?

bris

I don't see any problem, Just call them to update your records send them everything you need to and you can still keep your mother as a secondary holder. The only difference will be that you get sent the bill but just pass it on.


It's just admin, nothing to worry about.

HL83

Thanks to you both for your input,


I thought that maybe we would be in trouble for my mother changing the address as a secondary cardholder


She thought the same - just admin and was not until we had the letter asking for ID verification that we thought about it and how it must look bad


I was married 7 years ago and I moved out before that so I'm worried if I try to rectify now it might make things worse but it might look worse closing the account anyway

Shakin_Steve

Eydon wrote: »

I wouldn't have thought an additional cardholder would be allowed to change the billing address on an account.

Surely that should only be allowed by the primary cardholder?

Depends on whether they have the login details or not and, I would imagine, this lady did.

HL83

Think for your response,


She rang up both times, she called as though she was me.

jonesMUFCforever

HL83 wrote: »

Think for your response,


She rang up both times, she called as though she was me.

Then it is fraud to answer your question.

Get the card paid off and closed before things unravel or at the very least provide the ID and get the statements sent to your address.