A close friend that I work with just came to me with a letter she received in the mail. The letter was a change of terms notice. She is pretty upset over this notice for a few reasons: The notice doesn't name the credit card company, only "for your account ending in 5964". She only has a few cards, and none of them end in that number. Also, she is in her 20s and the only cards she has are ones she got in college and she has never closed any of her accounts. There is no telephone number, only write to Customer Service Center PO Box 44121 Jacksonville, FL 32231-4121 to dispute this change. The last thing that has her suspicious is that the notice has her name spelled right, and she has a long, Polish last name that is NEVER spelled correctly on credit offer mailings. I told her how to pull her reports from privacyguard and look for any accounts that don't belong to her. Does anyone have any ideas on how to find out what company sent her this notice?? Thanks.
What was the nature of the change of terms? You could call the Post Office in Jacksonville, and ask what company is renting that PO box. They would have had to give some name beyond "Customer Service".
It was rate changes, but it didn't even give anything specific. Something like if you are currently in this program then this. If you are in this other program then this. Very blanket notice. I didn't think a post office could give out that information.
Did it ask her to reply with personal information? That would be a huge red flag. She does need to pull her reports and make sure her identity hasn't already been stolen.
It didn't require her to reply. It looks like a legitimate notice for a credit card with an account number she doesn't know about.
Then she should order her credit reports post haste to see if she sees signs of identity theft. Unknown accounts... Excessive inquiries.... etc.
PO Boxes are not supposed to be used as fronts to hide illicit activity. To get one, you have to provide your real name and address along with proof of same. If you are a business, using a business name, you might have to provide a local fictitious business name license, etc.
Hedwig, I think it might actually be AT&T Universal card. I have that card, and statements come from a P.O. Box just a few nubers removed from what was posted above. PawMix
She checked her reports, and there aren't any unfamiliar cards. Unfortunately, on the PrivacyGuard report it only gives the first few digits of the account number, and all she has is the last four digits to go by. She does have two CitiBank accounts, though. Thanks for all of your help!
