…… - Question about a card I received in the mail (2024)

FAQs

…… - Question about a card I received in the mail? ›

If you receive a debit/credit card that you didn't apply for from a bank that you don't bank with, call the card's bank immediately. The bank will be able to clarify why you received the card or tell you if it's a scam. Do NOT use the contact numbers provided in the mail with the card.

Receiving an unsolicited card also could mean that a third party has applied for the card after stealing your identity. If you suspect identity theft, you should order a copy of your credit report.

First, it's not a credit card. It is a prepaid debit card for a rebate that you apparently qualified for, or someone sent in for you. OfferWire sends rebates to consumers who have purchased, for example, cable, internet or phone services. Maybe you qualified for something like this and you don't remember.

In case you get a card you did not sign up for, you should contact the issuer and ask it to close the account. Don't use the card if you don't want to be held responsible for it. You should also put in a complaint about the issuer with the CFPB if you want to alert the authorities.

Although it sounds like the right thing to do, you might end up handing the card over to the wrong person. Reach out to the bank for assistance. Call the number on the back of the card to report it found. If the card is issued by a nearby bank, you can also return it to a branch teller.

Got some time to spare? Call the number on the back of the card and tell the credit card company that you found it. They'll contact the card's owner for you. It's possible that the card was already reported as lost anyway, and the card company will issue a new card with a new number.

If you receive a debit/credit card that you didn't apply for from a bank that you don't bank with, call the card's bank immediately. The bank will be able to clarify why you received the card or tell you if it's a scam. Do NOT use the contact numbers provided in the mail with the card.

About Government Payment Cards

Government Payment Cards are not linked to your bank account, and they are not credit cards. They are prepaid debit cards onto which a government agency loads funds directly and you can use them just like traditional debit cards.

Prepaid cards are also a common method of payment used in financial scams. While reloadable cards do require the user to provide some personal information, prepaid cards often aren't easily tied to specific identities. That makes it easy for fraudsters to use them for money laundering.

What if someone opens a credit card in your name? ›

Act as fast as possible. Contact the credit card company to close or freeze the fraudulent account, file reports with the FTC and local police, and dispute the account with the credit bureaus to ensure the activity does not impact your credit scores.

Activate a credit freeze or extended fraud alert

As an alternative, you can also set up a credit freeze with each of the credit bureaus, which will prevent anyone from opening new accounts in your name until you personally take steps to “unfreeze” your reports.

The best way to know if someone has opened a bank account with your credentials is to request two reports from ChexSystems: your consumer disclosure and your consumer score. These can give you an idea of any negative marks against your name in the banking industry.

Found business debit cards are issued by Piermont Bank pursuant to a license from Mastercard Inc, and are accepted with any merchants that allow Mastercard payments. You'll have immediate access to your virtual card details in your Found app once your account is activated.

Yes, it is indeed unlawful.

Under federal and state law, fraudulently using someone else's credit card or making purchases with their account without permission could have serious legal consequences.

Requesting funds via payment apps: You can request funds from your Found account via payment apps like PayPal, Venmo, and Cash App. You can do so by linking your Found card number or your Found account and routing numbers to your payment app account, and then initiating a request from your Found account.