The letter stated that my "...recent credit card application with Associates Natioanl Bank (Deleware)..." Could not be completed because it is missing my Social Security Number and date of birth. I did not submit an application to the Associates National Bank. Concerned over identity theft. I called 800-842-2348 to look into the matter. After I provided the reference numbe ron the letter, stated my name, they read back my old address. They then asked me for my SSN. I refused to give it and explained the situation. I was told it would be turned over to the fraud department and they would contact me within 7 days. More than 7 days passed, and no one called back. So I called the same 800 number, and again went through the process. They forwarded me to another person this time. This person kept asking me for my SSN. I kept refusing. They then gave me 888-592-5400 to call. I called it only to find out it is Verizon Select Services. Disturbed, I called the 302-286-8445, the number at the top of their letter head. Again I am asked for my SSN. They claim there is no record of me in their systems. I recite the letter on their letterhead, and Robin L. Cochran who signed it below. They gave me another 800 number to call said a fraud investigator will be assigned to the case. No call back...so I call. Only to be told that "this is not a case of fraud, because they didn't know your personal information" Funny...I did not know it is legal to impersonate someone as long as you don't know your social security number. I explained how I moved and how I am concerned that perhaps the new occupants submitted this application and would like to compare samples of handwriting. The person thought this to be an "unusual request" so they gave me a person to contact at 800-436-1008, who is the head of security. I spoke with this person only to find out that it is "Bank policy to not release application to protect the person who submitted it" and that I would have to get the court to obtain a copy of it. Do you really want to do business with a company that protects the guilty? If this application is in my name, am I not entitled to see it? Once you submit an application you cannot see it again? So even if I had submitted it I could not see it without a court order? Potential identity theft is going on here and so the bank does not want to assist in investigating and stopping fraud? Why would I ever want a credit card from a company that has policies that helps increase credit costs by not helping prevent fraud!? So when it does happen...people like you and I pay for it in the form of higher interest rates or other hidden fees. Perhaps there never was an application submitted. Perhaps this letter was simply a ploy, and sent to thousands of others, to get them to supply SSNs, DOB, and a signature so they can access credit reports and issue cards that were never appled for in the first place. If so, this is very deceptive and in my opinion, unethical. So we have two scenarios here. 1). The Associates National Bank (Deleware) also called The Associates, www.theassociates.com, does not care about your personal identity and hides behind policy to protect the guilty. or 2). They are using deceptive marketing tactics, and if so, would you trust them with your financial needs? You be the judge. If there are others out there who have experience similiar situations, or other practices by the Associates National Bank, I would be interested in seeing follow up postings.