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By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
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V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Here's my suggestion: She (well actually it would be you doing this if you are her DPOA) can go on-line and request a free credit report from each of the big 3 credit reporting companies. If she doesn't have a computer, you all can go to the local library which will have computers for public use (the earlier in the morning the better too). The big 3 are:
Equifax, P.O. Box 740241, Atlanta, GA 30374; phone: 800-685-1111
TransUnion, P.O. Box 2000, Chester, PA 19022-2000; phone: 800-888-4213
Then once she has requested her annual free report from each, she will then file a fraud &/or identity theft report to each of the 3 agencies. That will pretty much keep anyone from doing more new credit cards under her name. If she has existing credit cards, she may have to have new ones issued too. She can have a fraud alert placed on her bank accounts too.
Now for each of the creditors that have contact mom with debtor letters, they each will need to get a letter from her stating that the accounts are not hers and she is a victim of identity theft and is not responsible for the debt. This could take a while to clear too but you have to be on top of all this and respond to any letters that she is elderly victim of ID theft and not responsible for the debt.
Thomas can you provide more information? Does your mother live with you, on her own, in a nursing home? Does she have dementia? If she has dementia it could be that she's having someone else go online for her.
Thomas, get yourself POA for finances if you haven't already, so you can more easily help her through this without her having to try to answer all the questions that will be asked, and to stay polite but appropriately assertive - with people who may be rude, demanding, and acting on the assumption that she is trying to cheat them, without getting totally stressed out. It can be a huge mess, and some creditors will hound you and her in hopes of getting money even though it is completely obvious this is identity theft. You may be spending a lot of time on the phone and fax as well as online. Persistence and insistence should get you through it though.
Been there done that, cleared it all up - except ended up having a pay a returned check fee for a stopped payment to my grocery store (I had a wallet and checkbook stolen, along with the register, so I was having to guess at the check numbers and was off by one or two!) and you'd think they'd have known me as a good customer long enough to realize I was not a check kiter, but no, I was treated rudely and clearly suspected as such, and I guess I was lucky they didn't turn it over to the police...and I do hope I never have to do it all again!!
BTW, save things that show her address now. I hope you also have things like bank records that prove her residency during the time the fraud took place. Elders are particularly vulnerable to identity theft because of the shoddy practices of companies that harvest and sell information.
She needs to contact the credit agencies and have a stop put on her SS and other information so that no new accounts can be open. Then she needs to close down the bogus accounts and work to cleanup the mess that was created. Identity theft is such a problem. Companies can be pretty sloppy granting credit, but expect the people to be meticulous cleaning up the mess made. I don't envy you what you'll face the next few days.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Equifax: 800-685-1111 (general) or 800-525-6285 (fraud); P.O. Box 740241, Atlanta, GA 30374; www.equifax.com
Experian: 888-397-3742 (general and fraud); PO Box 2002, Allen, TX 75013, www.experian.com.
TransUnion: 800-888-4213 (general) or 800-680-7289 (fraud); P.O. Box 2000, Chester, PA 19022; www.transunion.com.
Good luck and get on it!
She (well actually it would be you doing this if you are her DPOA) can go on-line and request a free credit report from each of the big 3 credit reporting companies. If she doesn't have a computer, you all can go to the local library which will have computers for public use (the earlier in the morning the better too). The big 3 are:
Equifax, P.O. Box 740241, Atlanta, GA 30374; phone: 800-685-1111
Experian, P.O. Box 2104, Allen, TX 75013-2104; phone: 888-397-3742
TransUnion, P.O. Box 2000, Chester, PA 19022-2000; phone: 800-888-4213
Then once she has requested her annual free report from each, she will then file a fraud &/or identity theft report to each of the 3 agencies. That will pretty much keep anyone from doing more new credit cards under her name. If she has existing credit cards, she may have to have new ones issued too. She can have a fraud alert placed on her bank accounts too.
Now for each of the creditors that have contact mom with debtor letters, they each will need to get a letter from her stating that the accounts are not hers and she is a victim of identity theft and is not responsible for the debt. This could take a while to clear too but you have to be on top of all this and respond to any letters that she is elderly victim of ID theft and not responsible for the debt.
Been there done that, cleared it all up - except ended up having a pay a returned check fee for a stopped payment to my grocery store (I had a wallet and checkbook stolen, along with the register, so I was having to guess at the check numbers and was off by one or two!) and you'd think they'd have known me as a good customer long enough to realize I was not a check kiter, but no, I was treated rudely and clearly suspected as such, and I guess I was lucky they didn't turn it over to the police...and I do hope I never have to do it all again!!