New SCAM Credit Card Ploy

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gillumhouse's picture
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05/22/2008

Beware!! I got an unsolicited credit card in the mail today. This is not the usual "offer" with a cardboard facsimile. It is a plastic credit card ready to be activated and is from a company called CAPITAL ACCESS NETWORK, INC. I am about to go cut it up prior to tossing it. DO NOT JUST THROW IT AWAY!! Garbage pickers are out there and you do not want anyone to activate a card in the name of your business. WARNING!!!!  WARNING!!!

gillumhouse's picture
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05/22/2008

I was volunteering over at City Hall this morning and one of our cops came in. I asked him about the card. He said that he had gotten one at home with his name on it and asked his wife if she had applied for a card and the answer was no. He said there is nothing that can be done about it. He said that (and it is buried in the fine print) when you call to activate, they get info and then send the real card. This one is just a dummy card. He also said the years ago he had activated one of this type thing and discovered they charged him $500 in fees to activate it.

So the answer is no, it is not considered mail fraud or any other kind of fraud. Just cut it up when it comes - which was my first inclination to start with. But I wanted to warn everyone about it.

Arks's picture
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05/22/2010

I guess I'm missing the obvious. What about it is fraud or a scam?

If, for instance, Bank of America sent me an unsolicited MasterCard based on my good credit rating, I might not want another card so I'd cut it up rather than activating it, but I wouldn't consider it fraud or a scam. Is it because it's Capital Access Network? I didn't find anything particularly negative about them in a Google search.

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All saints can do miracles, but few of them can keep hotel. ~ Mark Twain

 

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05/22/2008

I agree with you Ark. It's just the normal thing to get a card in the mail unasked for. Not really a scam I don't believe. I just cut them up and toss as well.

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05/30/2008

I agree.  Cut them up!  You can try writing to the issuer as well or calling their customer service. A day doesn't go by that we don't get multiple mailings with apps for cards.  And, I'm still getting those with my name and the biz name on them, too! 

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05/30/2008

Be sure to shred or chop up the card very thoroughly!

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12/30/2012

The local LEOs and Prosecutor may want it as evidence of Mail Fraud.

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12/30/2012

Make sure you report them to the State's Attorney General (or who ever controls Interstate Commerce in your state). Also let you local law enforcement know.

One way to get back at these companies is to send an Invoice for Marketing Research in {Your Zip Code Here} for $1500.00.  Send it to the Accounts Payable Department and also send a simple report to the Marketing Department telling them that the marketing plan will not effectively work in that zip code due to the appearance of mail fraud.

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