We Think Lisa's Identity Just Got Stolen and Someone Bought a Car

[Cornrow_Wallis]

Track down the thief and quarter them with a rusty machete? You can't be charged with murdering yourself right?

But seriously, I hope everything gets worked out quickly and without too much of a headache.

[Blak Smyth]

This is terrible Scott. This is my wifes biggest nightmare!
Hang in there and stay on top of it like Frank suggested, unfortunatley theres never much help out there for situations like this, it seems it's always up to the victim to figure out.

Good luck brother, wish I had some advice to offer.

Do you remember there was a thread somebody had posted about credit card fraud they experienced when on a road trip to B&Ms.
If I remember correctly it was a restaurant employee that took thier card to charge it and must have taken the number down.
I know this isn't the same but it made me think of it, thought maybe the victim could give some advice. I have no idea what to search for to find this though.

[loki]

does it say where the car was bought

[shilala]

Originally Posted by loki

does it say where the car was bought

We don't know if it was a car, that's a guess. It could be a boat of anything, really. The papers say nothing and PNC wouldn't tell Lisa anything on the phone.
We'll go to the local branch tomorrow, I'm sure they'll give us that info.

[Boz]

Originally Posted by shilala

We live in Ohio, PNC is Pittsburgh PA based bank.
Lisa had been working in Washington, PA for a long time which is very close to Pittsburgh. She could have had her driver's license info stolen from any of the copies that hotel personnel took along the way.
I'll check and see if there are any branches here in OH, but I've never seen one.

Edit:
I checked. There's a bunch right around here. One is 4 miles down the road. Thanks, Brian, that was a big help!!!

Originally Posted by shilala

We don't know if it was a car, that's a guess. It could be a boat of anything, really. The papers say nothing and PNC wouldn't tell Lisa anything on the phone.
We'll go to the local branch tomorrow, I'm sure they'll give us that info.

Hopefully you can get somewhere with them. At least she's handling it well. My wife would have already cancelled our cards and called the bank and frozen our accounts.

[shilala]

Originally Posted by Boz

Hopefully you can get somewhere with them. At least she's handling it well. My wife would have already cancelled our cards and called the bank and frozen our accounts.

Lisa knows every single ounce of information about every bit of what goes on here. If there was a credit card movement or bank movement, she'd have known before it happened.
The only reason this could ever happen was because it was outside the long arm of the Lisa.

She just finished up at the Police Station and got her report. They made a good suggestion which was to take her passport with her when she goes to the bank tomorrow. They suggested that a passport can't be faked. I watch tv, and they do it all the time.

And on the loan, Yes, it was a car loan. Lisa just told me that on the phone. When she was on the horn with the phone dummie he mentioned it was an auto loan. I misunderstood her. He just wouldn't give her any specific info on where and what kind of car was bought. I'm sure security cams and driver's license copies will bear out the fact it wasn't her.

I just told her how proud I was of her in how she's handling this and what an amazing woman she is. She said we've both been having a wonderful day, and this isn't going to screw it up. There's absolutely no reason to get upset about something we can do nothing about, and we've done all we can do till tomorrow.
That's just one of the million reasons why I love this woman so. We see eye to eye on nearly everything, and what we don't, we love that, too.

[Silound]

72 payments at 347.40 is $25012.80, which is roughly a car valued at $18,200 with no trade in, no down payment, ~9% interest loan, and the 6% PA sales tax factored in.

My experience is that banks typically don't like to loan money for 6 years, it's a long duration and a lot can change in 6 years. And if you total the car in a couple years, the bank has nothing to repo which means they have to waste time and money coming after the person's other assets....an all around loss for the bank. This is one of the reasons typical car loans are 1-3 years, with the unusual long loans being up to 5.

Hence, banks typically won't loan that kind of money out without some serious tangible collateral backing it. I would make damned sure your house or other personal vehicles and assets haven't been used as a guarantee for the loan. Where I live, a state title search (which is a royal PITA to obtain sometimes) will show if an asset has been used as backing for a loan of any type. I would see if Ohio has anything similar.

Good luck man, hope you come out of this one better than you went into it.




Cornrow: I'm pretty sure they would just put you away for Attempted Murder First

[shilala]

Originally Posted by Silound

72 payments at 347.40 is $25012.80, which is roughly a car valued at $18,200 with no trade in, no down payment, ~9% interest loan, and the 6% PA sales tax factored in.

It's funny you mentioned all this. Lisa crunched the numbers herself while she was at the cop shop. With her excellent credit, the interest would be much lower and a 72 month loan is cake to get around here (and in PA, as well).
We figure our benefactor is driving around in a brand new car valued at right around $20,000 or a little better. That's not a bad day's work.

[irratebass]

This is crazy! The b@lls on some people. I have been a victim of identity theft and it was so early in the game that not even the police knew what to do, luckily my bank jumped on it, but it was only a couple of hundred dollars and back in 98' I think.

Good luck and keep us updated brother.

[hotreds]

Stay strong, brother! Looks like you both are well on the way to handling the ugly situation!

[shark]

I hope the thief gets burned for doing this. Good luck!

[G G]

Sorry to hear Scott, that kinda makes my little compromised CC seem like small fries brother.

[EricF]

Sorry to hear about that Scott. I hope you and Lisa get it rectified swiftly!

[kelmac07]

Sorry to hear about his Scott. Sounds like Weezy has this locked and loaded. Positive thoughts for a very swift outcome.

[shilala]

I was thinking on this for a minute.
In my lifetime I've had my truck stolen from my driveway (never recovered), my house robbed twice, my credit card info stolen and used, my credit cards stolen and the theif tried to use them, and I've had my car broken into and robbed twice.
I also had money stolen by a babysitter a number of times until I finally caught her, a friend stole my medication, and one time someone stole my handgun but returned it later and then told me he did it. I also had my safe broken into at my house once.
Now this. I can't count this because it happened to Lisa directly, but we're a unit, so I suppose I can count it.
Those are just the things I could think of right off the top of my head, too. I must be charmed.
Maybe this is the last one.

[IBQTEE1]

Holy crap I thought I had some issues. I hope that everything works out Scott. Sounds like you and Lisa will get this taken care of.

The car has probably already been chopped, too. It's not much good to drive around in.

[shilala]

Today's Update...
It appears that it's not a malicious thing at all.
Somehow the retards at Great Lakes Hyundai, where we bought Lisa's car last February, transposed a bunch of information.
Some lady whose name happens to be Lisa M. Smith bought a car from them recently. My Lisa used to be Lisa L. Smith. We were already married and she has my name, so how these retards managed to transpose all this info and bill us was beyond me until I did some thinking.
(Funny thing is, I was just there today looking at cars, I need a new one.
The other funny thing is that last night I told Lisa that I pretty much guarantee that this problem came from Great Lakes Hyundai.)
Anyways, we realized that we began shopping there BEFORE she changed her name. They took a photocopy of Lisa's licensce for test-drive purposes. Last night we only realized that she had her new license when we bought the car.
So they managed to use my wife's photocopy of her old license from almost a year ago to bill the car to us and make a mess of Lisa's perfect credit.
Guess who will be paying to fix all this?
Now that I realize the extent of stupidity and piss-poor lacsidaisical work performance that's caused us this grief, the good folks at Great Lakes Hyundai are in for a heaping helping of shilala charm.
May God have mercy on them, because I certainly won't.

[Bill86]

Glad you found out the problem, wow what negligence. Let em' have it Scott!

[shilala]

This is still preliminary, Bill. The lady from PNC bank called and that's how we figured out Great Lakes was where the problem started. We'll have proof of that in the coming days.
In the meantime the bank is fixing their end and sending Lisa an affidavit she has to fill out. The LifeLock thing should allow us to see what's happened to Lisa's credit and make sure nothing else is at play here.
Once I have all the info, then we'll decide together what we do and how bad I hammer Great Lakes. So far it's been a minimal investment of time and money, but we're not paying a dime for their mistakes. We don't mind the time so much because we understand people do make mistakes, but had I ever made an error of this proportion in my career, I'd certainly expect to be looking for a job. I don't want to see someone get fired, but I will insist that I speak to them directly.