It seems so perfect. High school graduation is only days away. Scholarships and financial aid abound. Future roommate is coming to town. Then the phone rings mid-day. They leave a voice message and I listen later on. It’s “Chase Financial Collections” with an extremely private message… For my college bound? Or is it the other relative in our family with the same name they’re trying to reach? I delete the message because I suspect it’s just a ploy of one of my creditors - using my child’s name to get me to call them back. Thought nothing more of it..until now.
The thing is.. after two and a half years of years of unemployment – you do acquire creditors. Like Reliant Energy. I had a $600+ electric bill that 1st Summer of unemployment. No way I could pay it, and they would defer it no longer. Nothing I could do or say to negotiate repayment. So they cut me off! I switched providers and hadn’t looked back at what I owed Reliant. But who would use my minor child’s name to harass me like that? Who would know my minor child’s name and have my current phone number to get credit from Chase Financial? Chase Financial? I don’t owe Chase Financial. Does Chase Financial buy bad debt to collect? I need to do some research on this! Especially since my child is only months away from being a freshman in college. AND being yanked out of a sound sleep is more than a hint that this thing may not go away on it’s own. Yep. I woke up this morning two hours early thinking and feeling… Check Her Credit Report!
Suddenly, I’m wondering about that email I sent him a couple of months ago with my phone number in it. Inviting him to contact me in case he wants my assistance in connecting with his estranged daughter. Or in case he wants to provide additional financial support to her during college. She dumped him last summer because he had been dangling cars and trips in front of her.. then disappears without a trace when she starts asking him what I told her to ask him….”When?”
I thought, what a time to flip a shit and tell him off! Just when you might need him! She was livid when she found out I sent him an email. I don’t care. That’s what mothers do. Many of us have been through this scenario, ourselves with our own fathers, sometimes more than once with out children and friends with children, when he wants to make his way back to the child, he’ll call and write and make promises and as it turns out, he finds an excuse not to follow through. But I’m the one always holding out hope, for the sake of the two of them. My daughter on the other hand, doesn’t anymore want anything to do with him. I’m on her side, but, I would rather her let him burn the bridge, and not her. -That’s my weakness.
It was my intuition that woke me up and I suspect he has something to do with that Chase Financial debt collection call. I hate to approach my child with this now, trampling her independence bubble, but she needs to check her credit report. I’m not sure that he has had access to her social security number, after the enforcement of court ordered child support kicked in only a little over a year ago. And what about that supposed “wife” of his?
Could he? Would she? Stoop so low as to use my daughter’s name and or social security number and not pay the bill, to mess with her credit just when she’s getting her life started? I remember when we first broke up, I had my mail forwarded from another state, to mine. We both had accounts at the same bank. But my bank statements came to my new address with his name on them! How would a financial institution goof that up? As it turned out, they didn’t do that…. He did! And I truly suspect him in this matter of my college bound’s name and Chase Financial.
Research and t.v. judge shows tell us that some desperate parents are inclined to use their children’s social security number and name to get credit and buy things. And this man in particular may not need to do this, but I believe he’s just the kind of man who would do this sort of thing to inflict long-lasting financial and emotional damage on his own child.
If there’s anyone out there reading this, please comment if you have suggestions on how to thoughtfully investigate and stop this kind of fraud. I do not want my college bound to begin her life with this mess to clean up and be angry and hurt about.
She’s a very mature young lady, but a kid just the same. I’ll have her order her credit reports and keep tabs on her name, and learn how to protect herself and safeguard her credit. I hope this call was just a fluke of some sort, and I’m sure they’ll call back if they’re legitimate. Next time I’ll try to answer. Especially because they’re calling me at my phone number but using her name.


