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Dear Sir or Madam: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
You could experience psychological harm and emotional distress. You could become a victim of repeat identity theft and fraud. Scammers can commit crimes in your name. Your personal data could circulate on the Dark Web forever.
If you report your identity theft to the FTC within two business days of discovering it, you will only be liable to pay $50 of any unauthorized use of your bank and credit accounts (under federal law).
To make certain that you do not become responsible for any debts incurred in your name by an identity thief, you must prove that you didn't create the debt. Taking action quickly is important, so don't delay. Create a personalized recovery plan at IdentityTheft.gov that walks you through each step of the process.
I am a victim of identity theft, and I did not make [this/these] charge(s). I request that you remove the fraudulent charge(s) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account (if applicable).
The bank/credit union will put your money back into your account after they receive a signed affidavit certifying that the charges in question were not made by you.
Treated as Hybrid Offences If you have been charged with identity theft, the Crown can prosecute it as an indictable offence with the maximum penalty of five years in prison. It can also be handled as a summary conviction Used for lesser offences, with a maximum penalty of two years less a day in jail.
Your liability for fraudulent purchases made with your credit card is up to $50, if you tell the credit card company about the fraudulent charges within 60 days of when the company sends you the statement showing the fraudulent charges.