Just got a loan statement for an $83,000 loan that I definitely didn't take out from a bank I've never used before. What do I do now?
Get your credit locked at the credit bureaus reach out to the bank and ask wtf. Don’t use any contact info from the statement, look them up and verify independently. call batman
And obviously in regards to the OP, I'm asking for advice on what to do after I run to TMB to make it all your problem
Fortunately, they just opened up two credit cards and not any kind of big loans like Bruce Wayne . I had to shut off my credit and go through the hassle of proving to the credit card companies that I had not done the applications. They fucked up the spelling of my name in applying, so that wasn’t all that hard. It still took like 4-5 months to resolve. I have since paid for credit monitoring. It did lower my credit, but not too bad. The hassle was the worst part.
This is a pretty big fear of mine with how much I travel and how many shitty/insecure internet connections I use.
Not anymore Just kidding. That sucks and hopefully you can get it taken care of. I’d advise not making all your passwords MurderedParents going forward though
I'd call thr credit union directly, using the number on their site, to see if its legit bc that rate seems low for anything right now. Might just be a scam mailer.
The contact info on the statement matches the info on their site unfortunately. They must be a fairly small bank because they don’t have anyone available to talk to and won’t until Monday. god bless navy federal though. Got through to someone there within a minute of calling
I am going through this currently. Had a collection agency pop up on my credit report yesterday for a $3600 unpaid T-mobile bill. I would add that you may need to file a police report. I did yesterday.
Is it possible to fund a car loan and wire funds to an account without a purchase agreement? Like could they have secured funds and cashed it out somehow?
They clearly have taken the bag and ran imo. Secured the loan in November. First payment was due 12/6, and now this one.
Had my wallet and a few checkbooks stolen from my truck last week. Waiting on the same thing to happen to me.
That's an absurd rate. Something really funky about that. I got approved at 11% on a 100k unsecured renovation loan. Also a member of the 800 club. There is just no fucking way possible to get that rate on any loan anywhere, secured or unsecured right now. Did the loan show up on your credit report, BW? I'd beware this loan notice being bogus, and the start of an actual scam. That APR is bullshit. Agree with shutting down credit, and would recommend getting advice from the FBI
I'm pretty well-versed in unsecured personal loans and maxing out credit. You're not getting anything below 8-9% for any amount over $20k. Has to be a car or something. Unsecured loans fuck your credit while there's a significant balance, but pay it off within 12 months or so and you're fine in no time. It bounces back pretty quickly after you get the principle below $10k or so.