Report: #305663

Complaint Review: ID WatchDog / First Platinum Credit - Denver Colorado, Nationwide

  • Submitted:
  • Updated:
  • Reported By: san francisco California
  • ID WatchDog / First Platinum Credit 535 16th Street Denver, Colorado, Nationwide U.S.A.

ID WatchDog/ First Platinum Credit ID Watch Dog/ First Platinum Credit Denver Colorado

*UPDATE Employee: This story doesn't make sense.

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I received two packages in the mail from two separate companies on the same day. I did not order either of these two products. On the same exact day I receive a confirmation letter of signing up for the ID Watchdog services, yet another service I did not sign up for. I called the two companies the products arrived from and the orders had been made from a previously closed credit card in my name. I called ID watchdog to also cancel the fraudulent order and they then proceeded to tell me the thief had opened a credit line with my info. and my ssn # with First Platinum for $7500 in credit and with an option of $1500 of a cash advance. They gave me the number of the First Platinum Credit Company which is supposedly a online credit order catalog company. I called them and they closed my account that I never opened and promised to have someone from their "fraud" department call me in 2 days. No one ever called.

4 days later I receive yet another ID Watchdog letter thanking me for signing up for the credit scam. These two companies are working together. And, if they also conveniently had false products sent to my address with a previously closed credit card I'll never know. Either way too many things do not add up.

Please stay far away from this company and if you have had to deal with them be very aware and protect yourself. Look up your credit report. Put yourself on the credit fraud list.

You have the right to ask that nationwide consumer credit reporting companies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft.

A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer credit reporting companies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.

* Equifax: 1-877-576-5734; www.equifax.com
* Experian: 1-888-397-3742; www.experian.com/fraud
* TransUnion: 1-800-680-7289; www.transunion.com

san francisco, California

This report was posted on Ripoff Report on 02/03/2008 02:40 AM and is a permanent record located here: https://www.ripoffreport.com/reports/id-watchdog-first-platinum-credit/denver-colorado-nationwide/id-watchdog-first-platinum-credit-id-watch-dog-first-platinum-credit-denver-colorado-305663. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 UPDATE Employee

This story doesn't make sense.

AUTHOR: Toney - (U.S.A.)

POSTED: Friday, January 09, 2009
ID Watchdog identity theft protection service used to run a marketing program in conjunction with a credit card offering. The company has since discontinued this program. However, I don't understand how the the account of identity theft that is outlined here could have happened.

It's true that people pose as other people (use their names and social security numbers and birth dates) to get new credit cards. This is one of the most prevalent forms of identity theft.

In this case, Sharon is claiming that an identity thief used her name, address, date of birth, social security number, and address to get a new credit card. The card, and the ID Watchdog information was delivered to her home.

What use would a criminal find in signing up for a new credit card under Sharon's identity, and sending it to Sharon's home, so that Sharon knew about, had in hand, and was presumably the only person who could use that ill-gotten credit card?

Identity thieves will offer their own address when applying for credit cards (or other kinds of loan programs). That way, they get the paperwork, and the victim remains oblivious to the crime.

Also, ID Watchdog, as a reputable identity theft detection service, asks identity verification questions prior to authorizing a new membership. A new member must correctly answer several questions that are pulled from various public records. Whoever gets an ID Watchdog welcome letter has answered several questions like:

"What color was your 1987 VW Rabbit?"

"When you lived in Indiana, in what county did you reside?"

These questions are designed to thwart identity thieves from signing up for ID Watchdog services under someone else's name.

So I don't understand how Sharon's story could have happened. And I would prefer that ID Watchdog's reputation not be tainted by it.
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