Here are some recommendations: - If your mom is a co-signer on the account, call the credit card bank and ask them to take you off of the account. Get your own credit card, stat, or be willing to work off a debit card on your checking account. - If your mom is NOT a co-signer, call them and tell them you've been having some problems with a family member and fraud, that don't require the police but you would like to protect yourself. They may have some recommendations. Some things I might ask for if I were you: -+ ask for them to reissue your card with a new account number and PIN -+ sign-up for online access to your credit card account, with a password that you don't share with your parents -+ register your current checking account, so you can pay by funds transfer as opposed to check -+ ask them to cease paper statementing, and handle all of your bills online -+ let them know you will be moving in XX days and don't want ANY bills, statements, or courtesy checks mailed out until you've completed the move.
Part of this may be difficult, seeing as you will be moving quite soon, but let them know you are willing to work with them and will be a good customer. Sadly, parents committing fraud using the identification of their children is not unique, but I'm not sure how much of the details you want to share with the customer service reps.
Also, either way, I would call the bank that your checks were written from, and ask for the last 6 months of statements and copies of checks that were cashed against your account. (My bank allows me to access a digital image of my cashed checks via my online banking.) Count up all the checks you wrote to your mom, minus any money she actually did pay to your credit card company, and ask your DAD for a check for the owed amount. With all of the paper to back you up, you could press charges if you had to, but I doubt all of this needs to come to that. Still, separating your finances from your mom's influence is very important if you are planning on moving out on your own.
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I don't even know where to start
Date: 2005-06-19 07:54 pm (UTC)Here are some recommendations:
- If your mom is a co-signer on the account, call the credit card bank and ask them to take you off of the account. Get your own credit card, stat, or be willing to work off a debit card on your checking account.
- If your mom is NOT a co-signer, call them and tell them you've been having some problems with a family member and fraud, that don't require the police but you would like to protect yourself. They may have some recommendations. Some things I might ask for if I were you:
-+ ask for them to reissue your card with a new account number and PIN
-+ sign-up for online access to your credit card account, with a password that you don't share with your parents
-+ register your current checking account, so you can pay by funds transfer as opposed to check
-+ ask them to cease paper statementing, and handle all of your bills online
-+ let them know you will be moving in XX days and don't want ANY bills, statements, or courtesy checks mailed out until you've completed the move.
Part of this may be difficult, seeing as you will be moving quite soon, but let them know you are willing to work with them and will be a good customer. Sadly, parents committing fraud using the identification of their children is not unique, but I'm not sure how much of the details you want to share with the customer service reps.
Also, either way, I would call the bank that your checks were written from, and ask for the last 6 months of statements and copies of checks that were cashed against your account. (My bank allows me to access a digital image of my cashed checks via my online banking.) Count up all the checks you wrote to your mom, minus any money she actually did pay to your credit card company, and ask your DAD for a check for the owed amount. With all of the paper to back you up, you could press charges if you had to, but I doubt all of this needs to come to that. Still, separating your finances from your mom's influence is very important if you are planning on moving out on your own.
Good luck.