‘To my horror… My credit has dropped to 590’: Parents open a credit card in son's name without him knowing, run up $8,000 in debt and say they will write him out of their will if he reports it

"What could possibly be in their will of any value if they needed to run up debt in your name?"

Like what you see? Follow our WhatsApp channel for more.

Author image for Elna McHilderson Elna McHilderson
Advertisement

  • Listen, parenting is hard, we are not debating that. There are tons of ups and downs and everyone is learning on the job, including the parents. So it's only natural for parents to make mistakes with their kids. However, some mistakes transcend a simple parenting mistake and go into shady human territory. For example, these parents who secretly took out a credit card under their son's name without telling him. 

    They racked up $8k in debt under his name and didn't say a word. He only found out when he started getting debt collection letters. He investigated and found out that his credit had tanked to 590. (If you don't know, that's a bad number…) When he confronted his parents, they responded as if he was the crazy one. They said they were entitled to do such a thing with their son and he was being “ungrateful.” When he threatened to go to the police, his parents then said they would write him out of the will if he did. But also… If they are stealing their son's identity and getting $8k in debt, what could they possibly have for him in the will? Read the entire story below! 

  • 01
    "They called me ungrateful and demanding..."
    via freerangestock
  • Advertisement
  • 02
    I just got a collection letter in the mail and my credit has dropped to 590. Parents opened a credit card in my name and ran up $8000 in debt. They told me they'd write me out of their will if I say it was them.
    via mywatertableislow
  • 03
    On Monday, I received a letter in the mail from what looks to be a legit collection agency. It says this is an attempt to collect a debt and points me to a website where I can enter all my information and pay it. Of course this looks suspicious since I've never had the credit card they say that I have, so I checked my credit. To my horror, there it was, opened last year and for the same. amount of money the collection agency wants.
    via mywatertableislow
  • 04
    I called the credit card company directly and they said the address they had on file for me was my parents' house, where I haven't lived in more than 5 years. The card was used almost exclusively in the area right around where my parents live. None of my siblings live around there either, which made me believe my parents did this. When I asked them about it, they denied everything. I finally told them I had a list of places where it was used and I could get more information and they flipped.
    via mywatertableislow
  • Advertisement
  • 05
    They called me ungrateful and demanding, obviously trying to gaslight me. Finally, they told me to either drop it or report the card is stolen to try to get it off of my record. They said if I reported it to the police, they would take. me out of their will. I never expected any inheritance at all, but now I'm weighing the pros and cons to all of this. I'm trying to buy a house next year and I don't think I'll be able to with this on my credit. What's my best course of action here?
    via mywatertableislow
  • 06
    Happy_Escape861 • 7h ago Copying this for every identity theft situation I see on here (since it seems to happen a lot) where you know who the person is who stole your identity. This is all information you can find in this sub and others: 1: CALL THE POLICE - You're the victim of identity theft, plain and simple, it doesn't matter who did it or what your relationship is to them. They broke the law, now they have to face the consequences of their actions.
    via Happy_Escape861
  • 07
    2: Freeze your credit - You want to make sure it doesn't happen again, take the proactive route of freezing your credit. 3: Monitor and track your credit - You need to be alerted if anyone tries opening a line of credit in your name. This gives you a way to do it for free and it shows your credit score.
    via Happy_Escape861
  • Advertisement
  • 08
    4: Warn anyone else who might be a victim - This includes family members or anyone else whose social security number might be compromised by the thief. 5: Take the police report to the credit bureaus - Give them the report number when you dispute all of the accounts. Most of the time, that will be enough for them to take the accounts off of your credit. It's on the creditors themselves to prove the accounts are legitimately yours and the bureaus aren't going to get in the middle of it. A police
    via Happy_Escape861
  • 09
    Don't take identity theft lying down, even if it's someone close to you. If you let them get away with it, get ready for 5-10 years of bad credit, collection agencies coming after you, lawsuits, etc. THIS is why it's important to freeze your credit or have a credit tracker.
    via Happy_Escape861
  • 10
    You don't really have any other choice other than to go to the police if you want this off of your credit in time to buy a house. Not to mention the collection agency will probably just get a judgment against you in court if you don't fight it. Your parents sound like horrible people. If you let them get away with threatening you to take you out of the will this time, they're probably going to do it again. ✰ Vote Vote Reply
    via Happy_Escape861
  • Advertisement
  • 11
    Cats-And-Brews 7h ago • What makes you think there will be anything left to will to you? Cut them out of your life now. ✰ Vote Reply
    via Cats-And-Brews
  • 12
    • gordner911 · 6h ago What do you expect you'd inherit from two losers that had to steal 8k from their kid? Cops 100 percent, and ask if they maybe qualify for an extortion charge too for that statement. Vote Reply
    via gordner911
  • 13
    RolltideRN3245 7h ago . I seriously doubt if your parents defrauded you and the credit card company of eight thousand dollars, you are going to get anything in a will. Your next step would be to file a police report for credit card fraud and identity theft and report as such to the credit card company. This is wrong and despicable. ↑ ✰ Vote ⇓ Reply
    via RolltideRN3245
  • Advertisement
  • 14
    • Paganigsegg 7h ago Yet another one of these? Seriously? This is getting absolutely insane. This isn't directed at you, OP. I'm just shocked at how common it is for parents to commit identity fraud against their own kids.
    via Paganigsegg
  • 15
    Get a police report in, dispute these with all the credit agencies, freeze your credit, and let your parents face the consequences of their own stupid actions. If they don't care about you enough to not commit a felony against you and not enough to avoid ruining your future, then you should not feel bad about them getting in serious trouble with the law. ◆ Vote Reply 0
    via Paganigsegg
  • 16
    wpgjudi 7h ago IT'S A CON!!! Do NOT believe there is an inheritance large enough to cover this YEARS long drop in credit that will affect you... File a police report and call them selfish and manipulative! just don't let them railroad you like this! ✰ Vote Reply
    via wpgjudi
  • Advertisement
  • 17
    ParkSt-Hooligan • 7h ago 2 steps to think about. 1. File a police report but don't tell the police is was them, a loophole solving the first problem. 2. Don't expect anything to be in your parents wills if their stealing from their children. They probably already have too much debt to take on any more. Vote Reply
    via ParkSt-Hooligan

Stay up to date by following us on Facebook!

Tags

entitled parents credit score credit debt bad parenting what goes around comes around debt entitled people karma pay back justice served entitled bad credit r-entitled Reddit karma entitled people
Scroll down for the next article

Also From FAIL Blog

Trending Now

Boss demands employee pay for professional corporate profile picture, employee uses a fake picture of themselves instead, only for boss to love it: ‘He's praising my commitment to excellence'

Boss demands employee pay for professional corporate profile picture, employee uses a fake picture of themselves instead, only for boss to love it: ‘He's praising my commitment to excellence'

01
'I caused a domino effect': 15 Employees who quit all together at once and spoiled their boss's day

'I caused a domino effect': 15 Employees who quit all together at once and spoiled their boss's day

02
Manager calls employee ‘ungrateful’ after she expects to be paid for working overtime: ‘I'm so tired of this mindset’

Manager calls employee ‘ungrateful’ after she expects to be paid for working overtime: ‘I'm so tired of this mindset’

03
‘Raises are demotivating’: Boss refuses to give raises to employees, instead pays them in professional courses, forcing overworked employee to seek another job after 4 years without a raise

‘Raises are demotivating’: Boss refuses to give raises to employees, instead pays them in professional courses, forcing overworked employee to seek another job after 4 years without a raise

04
‘Unlimited PTO’ company boss rejects employee’s PTO for court-ordered parenting, gets called out and faces team backlash: ‘It has backfired on them’

‘Unlimited PTO’ company boss rejects employee’s PTO for court-ordered parenting, gets called out and faces team backlash: ‘It has backfired on them’

05
25 Mid-Week Work Memes To Boost Your Mood on Your Morning Commute

25 Mid-Week Work Memes To Boost Your Mood on Your Morning Commute

06
Advertisement