Thanks, "Mom"

By thafinest - 12/10/2009 23:32 - United States

Today, I received a call from a collection agency. Since I had no clue, I was ready to file a police report for stolen identity. I then called my mom only to find out she has been opening new credit cards with my information for 3 years and not paying them. My credit is ruined and I'm only 21. FML
I agree, your life sucks 46 667
You deserved it 2 293
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Top comments

teethsoup 0

wow still call the cops or something i've heard of this happening before to 1 year olds who cant do anything about it thats terrible. your mom is evil!

228 0
lissn 0

Bring in the law! You can't just shrug it off because she's family.

171 0

Comments

zander09 0

**** the soulless ****. File a police report and send her to jail. It's the only way to start beginning to fix things so you can have a life!

0 1
capricaz 0

I'm curious how your mother used your identity if you're a guy.

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funkyness 0

For those saying how did she use cards with his name, she probably did a lot of online shopping, where it's easy to put in anyone's info. To the OP, I know it's hard to stand up to your parents, but sometimes, it's the only way out. It is your life, and you owe it to yourself to enjoy it and make the most out of it. Sometimes, parents treat their children like shit, and after that, things are never the same. So, you have the responsibility of getting yourself out of that vicious cycle. In this case, it will mean reporting your mother for identity theft in order to not ruin your future. This isn't about her. Screw her, she did it to herself. Why couldn't she take those cards out in her name? You know? This is about you. You're 21, you can make your own decisions. If it means having to move out and forgetting about her, then so be it. Make it on your own, and be happy.

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capricaz 0

Again, a Moron and hating Americans crap because s/he has nothing better to do but to find reasons to hate this country.

0 5
yourkiddingright_fml 0

BS!! Luckster was just stating a fact! It is the greed of the US Banking system that started this effin' recession in the first place. Giving mortgages to people with no income and likewise with credit cards. I applied online for a CapOne MasterCard ( US based) and received an unsecured card when in fact I cannot get credit from any bank or credit card company in Canada because I have defaulted on two student loans!

1 2
tehukiso 0

Part of the problem is that our populace is retarded and does things like take out loans they can't pay back and have to default on. We always blame large institutions for our problems in America and never give any thought that the responsibility could be partially our own. But personal responsibility is dead in this country where we have an 'everyone is equal and everyone is a winner!' attitude. Ugh.

3 3
cthulhu1138 1

Go to the police. If your mother had money woes, she should have discussed the matter with you ahead of time. There's a big difference between you helping out the family and your family helping themselves to you. However, the circumstances make it more likely she has a gambling or shopping addiction (or something else along those lines). In that case, a short prison term may help her put her life in perspective. Repairing your credit will be an arduous process. It's a bit easier if you can claim identity theft, but still far from easy. Your mom screwed you big time.

4 0
yourkiddingright_fml 0

Have her charged and make sure the credit bureau knows what happened!

1 0
countrygal926 0

My mother did this to me, i was 16 though. All you need to do is call the companies and say you dispute the charges and that you never opened the card. Check if the information used is correct (my mother changed my birthdate) and then you have to file a police report. If you file a police report and fax it to claims at the attention of whoever is handling your case they will take you seriously. You can ask the police not to press charges. My mother opened a card in my name and didnt pay and when i filed the police report they contacted her for the money and took the debt off my credit report so, if you don't want to file a police report then enjoy shitty credit. It won't go away on its own and you have to fight it. Good luck

7 1
kukopia 0

Thank-you for the rare, informative reply. FML needs more people like you.

0 0
verdandi_fml 0

I work for a credit card company in their fraud department. Call the company, report a fraudulent application. Also, call the credit bureaus (TransUnion, Equifax, Experian) and place a fraud alert on your account (this way, more information needs to be verified before applications can be opened, etc). File a police report. Yes, even against your mom; she needs help. Order a copy of your credit report and make sure only what is supposed to be there is there. There are entire departments devoted to discovering fraud and hopefully remedying it. They'll be able to get this mark off your credit report since it was filed without your consent or knowledge. Identity theft doesn't **** your credit for good, it's just a pain in the ass to fix. Good luck.

9 1
kukopia 0

Thank-you for the informative reply. FML needs more people like you.

0 0
99MDC 0

What a ******* bitch. Charge her ass!

0 1
Saisaishi 0

Unfortunately, beyond what #54 said, I don't think the OP has much other recourse. If you figure that the OP even wants to charge his mother, there's a good chance that at 21, you just don't have a tremendous amount of money... Especially with a shot credit score. I would say if this is the case (and you have the intention of pressing charges), you might even want to take this to a major news outlet. There's a good chance a lawyer might take this up for you.

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tehsoah 0

File the report for stolen identity. That's not okay for a parent (or anyone) to do.

0 0