Scammed

Thanks, "Mom"

Today, I received a call from a collection agency. Since I had no clue, I was ready to file a police report for stolen identity. I then called my mom only to find out she has been opening new credit cards with my information for 3 years and not paying them. My credit is ruined and I'm only 21. FML

Computer says no

Today, I was trying to be a responsible adult and check my credit score. I accidentally mistyped my password five times, got locked out, and had to call customer service. They asked me so many security questions, I started questioning my own identity (and sanity). FML

Money money money

Today, my fiancé and I got a joint account recently, but when I got home he was on the phone to the bank claiming our credit card number was cloned, because of the ridiculous number of random purchases. I checked my online banking. It was all just my normal buying habits. FML

Today, I received a notification that someone opened a fraudulent credit card in my name. I'm not sure what's worse: that they were approved at all with my terrible credit, or that I was denied for this exact card when I applied out of desperation last month to pay for my service dog's surgery. FML

Cough up

Today, I learned I have over $10,000 in debt, despite never owning a credit card. Apparently, my ex-roommate had been replying to the credit card offers I was receiving in the mail. That also explains my missing driver's license a few months back. FML

Today, I turned on my boyfriend's computer and saw pictures of all of my credit cards, front and back, and several of my parent's credit cards. I looked in his e-mail and found receipts for items which had been billed to me and delivered to him, including golf clubs and my birthday gift. FML

Today, I learned why my credit score is so low. My mom stole my identity almost three years ago. Her excuse? "You didn't need good credit for anything anyways". FML

Today, after my bank sent me a new card because the old one had been compromised, I woke up to find that it's already been used to start an Amazon Prime account and order several movies. The card to replace a compromised card has been compromised. FML

Today, I found out my identity was stolen. The person got credit cards in my name and didn't pay the bills, which has ruined my near perfect credit. The worst part about all of this is that I can't turn the person in. It's my mom, and sending her to jail wouldn't really work out for anyone. FML

Today, I discovered my mom has been using my credit card to buy everyone's Christmas presents. FML