
Quoting
gigirle
It comes down to this...IF your cc was indeed stolen and this was not an attempt to commit fraud on your part, in order for you to get the credit that you believe you deserve, you have to follow up with a police report. Its theft! If you were really a victim here, you wouldn't have a problem filing a police report to protect yourself. Read the fine print in your agreement. If you fail to do so, don't be surprised when you get stuck holding the bill. Just bc you don't believe you owe the bill, doesn't make it true. Hence the collection! You will also get a judgement against you. That is of course, unless you don't want to be arrested for filing a false police report on top of the potential fraud.
WaMu OR ANY OTHER CCC will give he same advice. File a police report. Its theft!! Why is it that you believe the ccc should just credit it based on your word? And what does any of this have to do with who owned or owns the ccc? Nothing! Fraud is fraud. If your unwilling to protect yourself, don't complain that the ccc does the same thing.