My Ex-GF Opened Up Two Credit Cards In My Name. She Ran Up About $7,500 In Debt....- Reddit Stories
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My Ex-GF Opened Up Two Credit Cards In My Name After We Broke Up. She Ran Up About $7,500 In Debt, And Her Current Boyfriend Is Now Threatening Me.
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The story follows a man who discovered that his ex-girlfriend had committed identity theft after their breakup. They had been living together for a few years, and she had access to his financial information. After they broke up and he moved out, he thought he had taken everything important with him. However, months later, while doing his taxes, he realized he was missing some key documents, including his tax returns. He didn’t think much of it at the time, assuming they had been lost in the move.
Then, out of nowhere, he was served with a lawsuit for more than $5,000 on a defaulted credit card he never opened. After pulling his credit report, he discovered two credit cards had been opened in his name without his knowledge—one with over $5,000 in debt and another with about $2,500 in debt. Both cards had been defaulted since mid-year, and they were linked to purchases at stores his ex-girlfriend frequently shopped at. He realized she likely opened these cards using his personal information, including his social security number from the tax returns she may have kept after the breakup.
When he confronted his ex about it, she denied everything and became defensive. Soon after, her new boyfriend called from a blocked number, threatening the man if he didn’t stop accusing her of identity theft. Feeling intimidated by the boyfriend’s violent criminal history, including charges of aggravated arson and firearm offenses, the man was hesitant to take immediate action.
Seeking advice online, he was encouraged to take several steps, including freezing his credit, monitoring his credit reports, and filing a police report for identity theft. Despite his fears of retaliation, he followed this advice, went to the police, and provided the report to the credit card companies and credit bureaus. The process was relatively smooth, and within a short period, he was able to clear the fraudulent accounts from his credit history. His credit score increased by about 200 points as a result, and he was advised to continue monitoring his credit and attend the court date related to the lawsuit.
In an unexpected turn, he learned from a mutual friend that his ex-girlfriend had been arrested. Apparently, a warrant had been issued for her arrest, and she was pulled over and taken into custody, though she was released quickly. He also found out that his ex and her boyfriend had broken up, which relieved him from further concerns about the boyfriend's threats.
Although the man was still set to attend the court date to ensure everything was resolved, he was relieved that the worst of the situation seemed to be behind him. His story serves as a reminder of the importance of protecting personal information, taking action when wronged, and following through with legal steps even when the person committing the crime is someone you once trusted. By acting quickly and seeking help, he was able to regain control of his finances and put the incident behind him.
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