Legal Question in Consumer Law in Florida
I am in South Florida. I was at a major car dealership one night and after about two hours of negotiations that ended up in me not purchasing a vehicle, I was approached by my running, frantic sales man who instructed me to PLEASE sign a credit card application or else he would get in trouble with his boss and get fired. I then said, "Sign a document..for what?" He kept saying please sign this and when you get your credit card in the mail just send it back to the card company. I then rolled up my window, leaving the salesman holding the unsigned form, as he continued to write down my tag info, etc. I said to my wife who was next to me in the vehicle, that I hope that this guy hasn't applied for a credit card in my name. True enough, a few days later I received a credit card in the mail in the amount of approx. $1900 dollars. I was furious because I have an excellent, high credit score and I already have two credit cards already. When you apply for another credit card, your credit score is automatically reduced. This reduction affects my interest rate on the things that I have to pay for already, and it affect that costs of the items that I will purchase in the future. All that aside, This is obvious fraud and I would like to know my options. Thank you very much for your time and consideration. Have a great day.
1 Answer from Attorneys
I would suggest you do the following:
1. call the state attorney's office and the police to report this fraud . You will a police report.
2. contact by phone first and then write the credit card company to summerize to them that you did not take out the card. Explain the circumstances.
3. go to my web site below and go to the links page to see what needs to be done for indentity theft. Make sure you follow all the steps.
4. write a letter to the credit bureaus that you did not seek the card and that you do not want any bad reporting on your credit. see letters at web site.
5. contact dealership owner re this matter.
6. go to www.ConsumerLawyerHelp.com
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