Unknown debt / fraud ?

jackjones99

My son has just received a letter from Lowell , for an unpaid credit card from Capital One.

Looking on his credit report , it was opened / created in 2022.

He didn't live at that address then , and has been at his current address for the last 6 years, and he was 16 when he moved to the current address.

What can I do to help him?

Thanks .

retiredbanker1

Tell him not to panic.
On the face of it someone seems to have taken over his ID and applied for a card in his name.

Tell him to contact Lovells and say that it is not his debt.
Is the address that the card has been opened at familiar at all - family, friends or student accomadation etc at all?

Lovells should refer the debt  back to Capital One.
Expect them to contact him.

eskbanker

jackjones99 said:

Looking on his credit report , it was opened / created in 2022.

Get him to check all of his credit files as a matter of urgency, in order to establish if anything else has been done in his name:

https://www.moneysavingexpert.com/loans/check-free-credit-report/

fatbelly

Not his job to assist them.

My guess would be it's a fishing exercise by Lowell

Just send a prove-it letter from the sticky threads over on debt-free wannabe.

If they persevere that is the forum to post on

retiredbanker1

fatbelly said:

Not his job to assist them.

My guess would be it's a fishing exercise by Lowell

Just send a prove-it letter from the sticky threads over on debt-free wannabe.

If they persevere that is the forum to post on

The card is on his credit report - hardly phishing in my opinion.

fatbelly

Send a prove-it

Then a complaint about them marking your file