TSB Credit Card Registered by Fraudster

Deltadia

Hi all,
I was hoping for some advice on the events that unfolded recently for me... 
Fraudster registered for a Credit Card with TSB and TSB actually approved without asking for any document verification and sent out the credit card. (note: I do not hold any TSB accounts). Luckily credit card came to my hand rather than the fraudster (CCTV captured him jumping over the walls to gain access to the residential postbox) so no financial damages were taken (police refused to open a case as no "crime" has been committed). I am unsure what steps I should take next? I have sent data request under GDPR to TSB to provide me with details entered in the application. But other than that I am quite unsure what to do, would any one be able to share some advice? 

Many thanks! 

penners324

Have you told TSB it's a fraudulent application and to remove any credit searches they did?
Sounds like you need to register with CIFAS

Deltadia

Yes, we have made aware to TSB that the application was fraudulent and I believe they are planning to delete or lock the account ( they are also using this as an argument from sharing any data)... 
I will take a look at CIFAS as well. 

[Deleted User]

They're correct in not sharing the data with you, as the data doesn't relate to you, but the fraudulent applicant, even though they gave replicated some of your details.

They should refuse under the DPA.

Deltadia

how is that so, zx81? The application was made in my name and with my personal details. Thus data subject would be me. 

[Deleted User]

Not in this instance.  The data subject is the fraudulent applicant, passing themselves off as you.  To provide you with the data that he or she provided would be a breach.

You need them to correct or delete that data if they are satisfied it was not your application so that incorrect data (ie your details) are not appended  to the real data subject.

lou_d

Not sure my comment posted earlier but please do give our fraud team a ring if you are still concerned and need further support.  Contact number 0345 835 7899. 

cymruchris

Most credit card applications are approved without the need for document verification. I have several credit cards from various institutions over recent years, and none have asked for verification. Someone out there has sufficient detail to obtain a card, and they may attempt further applications. Definitely register for CIFAS protection which will ensure any applications made by the real you are subject to additional checks before being granted. I had the same issue a few years ago in East London, with my post box being raided and a number of accounts opened. The only thing they succeeded in was to obtain a t-mobile contract (and presumably a handset) - but I managed to intercept the fraudulent credit cards. I also had CCTV but the police weren't interested. Once you've disputed the card as not yours - check the CRA files over the coming couple of months to ensure that any reference to the searches or the account are removed.

Deltadia

Thanks cymruchris, I will do that. Its just really disappointing that there is not much help or protection available in a quite distressing situation. There are other victims among the neighbours with their parcel's stolen so I am hoping police will take some interest. When I tried account from the fintech companies like Monzo they would ask for some sort of verification and if I remember correctly I had to provide some evidence when opening with Amex... it feels strange that TSB didnt ask for any ID check when I dont have any business with them (and looks like I will keep it that way after this!). I would have thought when determining credit, the personal details are important... 

@lou_d: I may try that tomorrow. But I wont hold my breath after the experience I had with TSB. It seems, if there wasnt any financial loss, then its not of high priority... and they seem to be of same position as the one described by zx81 when it comes to data.

@IanManc : Thats what I would have thought! At least, its good to know that its covered in the law... 

Whilst the misuse of your identity cannot be classified as a police recorded crime, we do recognise that identity theft can cause significant distress and inconvenience.

I know police gets short stick sometimes but I dont think they are helping themselves either...

maxximus75

lou_d said:

Not sure my comment posted earlier but please do give our fraud team a ring if you are still concerned and need further support.  Contact number 0345 835 7899. 

@Deltadia : I wouldn't be calling ANY mumber posted on a site (let alone one by a user who has just joined with 1 post).

If you do call, please research the number yourself to ensure you know who you are calling!

jonesMUFCforever

maxximus75 said:

lou_d said:

Not sure my comment posted earlier but please do give our fraud team a ring if you are still concerned and need further support.  Contact number 0345 835 7899. 

@Deltadia : I wouldn't be calling ANY mumber posted on a site (let alone one by a user who has just joined with 1 post).

If you do call, please research the number yourself to ensure you know who you are calling!

First thing I did was Google the number - it is TSB Fraud application team.