
Quoting
rsanter75
My question involves collection proceedings in the State of: Georgia
I lost my wallet October, 2013. I reported my lost wallet to the police and I received a report. My wallet had my drivers license, green card, credit cards, HSA spending card and medical insurance cards. Within an hour I reported to credit card companies and bank, that my wallet was lost. The credit card company said someone was already using my credit card for small transit transactions.
Within 6 weeks I started to get letters from debt collection agencies. It appeared that on November 8th and 9th 2013, some 30 transactions were made in department stores in the state of Alabama. So for each incident, I had to fill out paperwork notifying the 4 agencies that I was a victim of fraud. The fraudster, was using fake checks for a bank I had no affillation with and validating the checks with my drivers license. When I received a couple of check samples to review, I noticed that the name was incomplete, the signature was completely different (in writing style) and the address was spelt incorrectly. So the tiller failed to do a proper evaluation of the drivers license against the fake check. When I was sending documentation, I had to duplicate the work many occasions because the debt collection agencies kept losing my paperwork even though I had mailed the letters by recorded mail. Eventually, I purchased an online fax service.
Once I sent all the documentation I asked for a response asking them to reply to my fraud affidavit, detailing what they are doing to notify the stores that I'm a victim of fraud. I got no response.
In mid January, 2014 I got a notice from the agency indicating they had accepted my claim of fraud and no further action would be taken against me. This took a considerable amount of effort and personal expense to get to this point.
As of April 23rd 2014, it appears this process is starting again. The same debt collection agency is chasing me for payment for transaction I didn't make with fake checks made out in my partial name using my old drivers license as proof for authenticity. I tried to explain to the agency that this is a repeat process from the time before but they insist I jump through the same hoops for each incident.
The drivers license doesn't expire for 5 years and I just don't have the financial resources or personal time required to respond to every fake check or fraudulent activity taken place using my old DL. How can I stop this once and for all?