My question involves personal finance in the State of: CT
Upon returning to work in a local school after the holidays, my wife found an opened envelope, addressed to her employer on her desk. The envelope was addressed to the central office in another part of town.
The envelope contained a request for verification of employment addressed to the employer and also, a request to our bank (inserted in error) to verify the information on an enclosed copy of our entire monthly bank statement. The bank statement contained all the information on our several accounts complete with entire account numbers, every transaction for the month, complete information regarding our mortgage and line of credit etc. There was no note and no one knows who placed the envelope on her desk or how many people looked at our personal finances.
I called the mortgage service company and was told that this was "part of the ongoing quality control system for the MPF (Mortgage Partnership Finance), (although the first person I spoke to couldn't tell me what MPF stood for). Apparently, they audit loan applications for Fannie Mae on a random basis. There was an attached copy of an agreement with our signatures that allows verification by lenders that we signed when refinancing last year. So, the request for verifications is legitimate, but the inadvertent enclosure of our bank statement puts our financial information at risk.
I think it would be reasonable to request that the mortgage service company supply us with free identity protection for the next three years and intend to make that request.
Am I being reasonable? If they decline, should I threaten legal action? Do I have reasonable cause for legal action? Am I worrying for nothing?
Your advice would be appreciated.