TUCSON, ARIZONA -- As a honest consumer from your state, I felt it was my responsibility to bring to your attention the following incident.
I had a Discover card account. Included with the credit card they also send 'Discover checks'. These are just another way of doing a cash advance from an account.
My residence was in Washington state but I was in Arizona working for Microsoft. I went into a Sears department store to make a payment on my Discover bill and also to put a fraud alert on my account. I had just seperated from my wife and because I was the sole owner of the account I felt the need to protect myself. I was assured by the associate at Sears that anyone attempting to use my account would be asked for identification and that only myself would be allowed access.
Two months later I received a statement that included a cash advance of $1,500.00 plus fees. I immediately contacted Discover and notified them and learned that a Discover check had been cashed on my account. I received a copy of the check and contacted Discover again to verify that my name had indeed been forged, it was not my signature.
I thought that would be the end of it but it was not. I continued to be billed for the full amount,(my part of the bill and the $1,500.+). I paid off the part of the bill that was mine but refused to pay the part that was not mine. I talked to several Discover people about this but got nowhere.
This forged check continued to accrue interest and late fees until finally Discover cancelled the card.
Several years later I applied for a credit card only to find that this debt is listed on my credit report and is causing me no end of problems.
I moved from Washington state to Tucson Arizona several months before this incident occured but the person who forged my name and cashed the check was in Washington state.
As a resolution, I would like the following:
I would like to go after my ex-wife for forging my name to this check but I don't know where to begin. I would also like to have this removed from my credit report.
Please feel free to contact me if you would like more details regarding this incident.