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Fraudulent account - 45 days to investigate too long
A fraudulent account was taken in my name in 2021. I found out about this in February of this year as a debt collection agency wrote to me at that former address, where my ex-wife still lives. I reported this as fraud to that agency, having made several action fraud reports at the same time. About 5 different phone companies were targetted with my details at that time. Skip forward to July 2024. I need to remortgage to settle a divorce. My final financial order was authorised on 19th July, giving me 56 days to take ownership of my property and settle payment my exwife. Its then that I find the ID mobile account showing as bad credit, preventing me from remortgaging. I reported this immediately to ID mobile who said it was already flagged as fraud and they knew. Would be removed from credit file within 24-48 hours. I got back on webchat a week later as it was still showing. No progress. I am then told they’re waiting for a crime number which hasnt been asked for. I rang the customer complaint line who actually started the fraud investigation off. Told me to ring in 24 hours to confirm it was completed. I ring back today (2 days later) having tried webchat yesterday and got no wehere. I’m now told the timecsale to investigate is 30-45 days. No one can get me in touch with the fraud team to recognise the seriousness of my situation, and noone on the frontline of customer support or complaints can get this. I will be in contempt of court on Friday 13th September if ID mobiles current timescale to investigate plays out to 45 days as this is the 19thy of September. Best case scenario at 30 days to investigate takes this to 4th September. At which point I need to apply and secure a mortgage, transfer property ownership, arrange to move house and settle a divorce in less than 9 days. So who helps me?
Total lack of communication
I’ve been a customer for several years. March 2024 my number was cloned with ID sending a PAC code to change supplier, not requested by me and transfer done before I could stop it. Reported via live chat and passed to fraud department. Fraudsters accessed my bank and credit card accounts and attempted over £5k of fraud by bank transfers to overseas accounts. Two weeks later a letter from ID saying I’d taken another account out a new number and money to go out of my bank on a certain date. Set up by fraudsters, no SIM card received at my address. ID contacted live chat, account closed and reported to fraud department by the operative. Bank informed by me to not make a payment to ID. Next thing I receive is a letter from ID for the payment and if not made would be passed to debt collector. Customer complaint contacted assured they would contact relevant person and not to worry. Two weeks later letter from debt collector requesting payment. Contacted them, they should never have been involved as a fraud under investigation was taking place. numerous complaints in with ID and Curry’s who own them. Told I will be contacted within 48 hours every time and you guessed it nothing. Was told fraud team will update me in 30 days we are now 5 months down the line and not had any contact whatsoever. worse thing they’ve registered 4 missed payments which has affected my credit score and stopped me from getting credit on an item which won’t be delivered under November. Missed payments are in relation to the fraudulent account taken out. Something is really suspicious with how ID investigate as no one can say or prepared to say where the fraud account SIM was sent as I hadn’t received it. letters of complaint will be sent to both customer complaint departments today, failing a suitable response it’s off to the Ombudsman. Anyone else had issues with ID over lack of communication and incompetence.