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Email this9:08 am
January 23, 2013
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I seems 2 banks are issuing credit cards - BMO Air miles Mastercard and TD Aeroplan Visa. I never have used TD and haven't used BMO for more than decade. I never applied both cards.
I haven't had cards yet but got letter with PIN code and saying I'll getting the card. Strange that both have my current information and it is happening at the same time.
I feel something is wrong.
11:24 am
October 21, 2013
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Yes, I think something is wrong also.
Perhaps I'm wrong but I was under the impression that banks were no longer permitted to issue credit cards to people who had not agreed to receive them.
I would contact them directly and ask about it.
Is it possible your identity has been stolen or compromised?
11:47 am
January 23, 2013
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Loonie said
Is it possible your identity has been stolen or compromised?
That's actually I'm worrying about. I'm contacting them. BMO think it's strange too and ask to come to the branch. Holding for TD.
3:05 pm
October 21, 2013
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It's good that BMO is responding.
Let us know what happens.
4:12 pm
April 12, 2016
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You may also want to request your (free) credit reports from Equifax and TransUnion, see if there's anything else on there you didn't request.
http://www.equifax.com/ecm/can.....stForm.pdf
https://www.transunion.ca/ca/personal/creditreport/consumerdisclosure/mail_en.page
5:36 pm
January 23, 2013
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I have called both banks and both ask me to come to the branch to investigate further. I'll visit soon and will post how it goes.
Thanks for tip for free credit reports. I better do it.
5:45 pm
December 23, 2011
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Could this be in any way associated to tax time? Like who did your taxes....how were they mailed or transmitted? All the info is there for an application? Have you verified your tax return has been received by CRA? I know I am being far fetched.....but.....
8:04 pm
April 6, 2013
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Loonie said
Perhaps I'm wrong but I was under the impression that banks were no longer permitted to issue credit cards to people who had not agreed to receive them.
There is a federal prohibition is on unsolicited credit card convenience cheques: FCAC: New rules for credit card cheques now in effect
12:21 am
October 21, 2013
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If you live in Ontario, the Consumer Protection Act (2002) effectively prevents FIs from sending unsolicited credit cards.
"You also can’t be charged for receiving an item or service that you did not request. You can use the item or throw it away."
https://www.ontario.ca/page/your-rights-under-consumer-protection-act
10:39 am
January 23, 2013
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It seems it is Fraud/Identity theft case. BMO advised me to contact Equifax and TransUnion Canada for fraud case.
I'm wandering how it could happen - issuing credit card by somebody else. Also wandering what that somebody could get from this - I have credit card.
Thank for all your information/suggestions.
1:35 pm
October 21, 2013
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I'm sorry to hear of this, Dennis. At least you were able to get on the case quickly and were suspicious.
Perhaps there is a website somewhere that walks people through the steps they need to take in such situations.
You should probably call the credit bureaus immediately. I suppose you need to both get the reports and advise them that your identity has been compromised. Unfortunately, this will make it more difficult for the real "you" to get credit cards, open accounts etc for the net several years.
I believe that the RCMP has a division which is concerned about such cases. The banks will likely advise them of this, as it is in their interests as well to do so.
6:10 pm
April 6, 2013
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Dennis said
…. I'm wandering how it could happen - issuing credit card by somebody else. Also wandering what that somebody could get from this - I have credit card.
Someone who has your information (name, date of birth, address, phone number, occupation, current employer, existing credit card, and so on) could go to the credit card issuer's web site and submit an online application.
Most people are not home when Canada Post delivers the mail during the day. The person was probably going to take the new credit card and PIN notice out of your mailbox before you pick up the mail that day.
6:25 pm
April 6, 2013
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Loonie said
If you live in Ontario, the Consumer Protection Act (2002) effectively prevents FIs from sending unsolicited credit cards.
"You also can’t be charged for receiving an item or service that you did not request. You can use the item or throw it away."
https://www.ontario.ca/page/your-rights-under-consumer-protection-act
That seems to be from Section 13 of the Act:
Unsolicited goods or services: relief from legal obligations
13. (1) Except as provided in this section, a recipient of unsolicited goods or services has no legal obligation in respect of their use or disposal. 2002, c. 30, Sched. A, s. 13 (1).
However, there seems to be special consideration for credit cards in Section 68:
Agreement for credit card
68. (1) Despite section 13, a consumer who applies for a credit card without signing an application form or who receives a credit card from a credit card issuer without applying for it shall be deemed to have entered into a credit agreement with the issuer with respect to the card on first using the card. 2002, c. 30, Sched. A, s. 68 (1).
Unsolicited credit cards are definitely not allowed in Québec. This is from Section 120 of their Consumer Protection Act:
120. No person may issue or send a credit card to a consumer unless the consumer has applied for it in writing.
10:44 am
January 23, 2013
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kanaka said
Could this be in any way associated to tax time? Like who did your taxes....how were they mailed or transmitted? All the info is there for an application? Have you verified your tax return has been received by CRA? I know I am being far fetched.....but.....
It probably not with Tax. I report Tax myself (this year using StudioTax) and it happed before I report Tax. Thanks
10:47 am
January 23, 2013
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Loonie said
I'm sorry to hear of this, Dennis. At least you were able to get on the case quickly and were suspicious.
Perhaps there is a website somewhere that walks people through the steps they need to take in such situations.
You should probably call the credit bureaus immediately. I suppose you need to both get the reports and advise them that your identity has been compromised. Unfortunately, this will make it more difficult for the real "you" to get credit cards, open accounts etc for the net several years.
I believe that the RCMP has a division which is concerned about such cases. The banks will likely advise them of this, as it is in their interests as well to do so.
Thanks. I called two credit bureaus - TransUnion and Equifax and also report to Canadian Anti-Fraud Centre( http://www.antifraudcentre-cen.....ex-eng.htm ).
10:51 am
January 23, 2013
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Norman1 said
Dennis said
…. I'm wandering how it could happen - issuing credit card by somebody else. Also wandering what that somebody could get from this - I have credit card.Someone who has your information (name, date of birth, address, phone number, occupation, current employer, existing credit card, and so on) could go to the credit card issuer's web site and submit an online application.
Most people are not home when Canada Post delivers the mail during the day. The person was probably going to take the new credit card and PIN notice out of your mailbox before you pick up the mail that day.
I live in Condo (it is obvious with address as it has unit #), and probably not easy to steal from mail box. Anyway I better check my mailbox more often for a while. Thanks.
9:34 pm
April 6, 2013
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Dennis said
I live in Condo (it is obvious with address as it has unit #), and probably not easy to steal from mail box. Anyway I better check my mailbox more often for a while. Thanks.
That's a good point. Hopefully, it is not actually someone in your household or frequent friend who visits!
I remember years ago reading about a bank customer who was experiencing repeated unauthorized ATM cash withdrawals. His card was not stolen and was in his possession. Bank refused to reimburse him because his card was not stolen and the correct PIN was used each time.
He believed the security of the bank's ATM card system had been cracked. The bank disagreed.
Eventually, he meet with the branch manager. The manager played the recorded video footage of the unauthorized ATM withdrawals. It was his daughter in the videos!
The manager offered to get the police involved. The customer retracted his demands for compensation.
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