this post was submitted on 01 Apr 2024
198 points (97.6% liked)

Mildly Infuriating

35383 readers
987 users here now

Home to all things "Mildly Infuriating" Not infuriating, not enraging. Mildly Infuriating. All posts should reflect that.

I want my day mildly ruined, not completely ruined. Please remember to refrain from reposting old content. If you post a post from reddit it is good practice to include a link and credit the OP. I'm not about stealing content!

It's just good to get something in this website for casual viewing whilst refreshing original content is added overtime.


Rules:

1. Be Respectful


Refrain from using harmful language pertaining to a protected characteristic: e.g. race, gender, sexuality, disability or religion.

Refrain from being argumentative when responding or commenting to posts/replies. Personal attacks are not welcome here.

...


2. No Illegal Content


Content that violates the law. Any post/comment found to be in breach of common law will be removed and given to the authorities if required.

That means: -No promoting violence/threats against any individuals

-No CSA content or Revenge Porn

-No sharing private/personal information (Doxxing)

...


3. No Spam


Posting the same post, no matter the intent is against the rules.

-If you have posted content, please refrain from re-posting said content within this community.

-Do not spam posts with intent to harass, annoy, bully, advertise, scam or harm this community.

-No posting Scams/Advertisements/Phishing Links/IP Grabbers

-No Bots, Bots will be banned from the community.

...


4. No Porn/ExplicitContent


-Do not post explicit content. Lemmy.World is not the instance for NSFW content.

-Do not post Gore or Shock Content.

...


5. No Enciting Harassment,Brigading, Doxxing or Witch Hunts


-Do not Brigade other Communities

-No calls to action against other communities/users within Lemmy or outside of Lemmy.

-No Witch Hunts against users/communities.

-No content that harasses members within or outside of the community.

...


6. NSFW should be behind NSFW tags.


-Content that is NSFW should be behind NSFW tags.

-Content that might be distressing should be kept behind NSFW tags.

...


7. Content should match the theme of this community.


-Content should be Mildly infuriating.

-At this time we permit content that is infuriating until an infuriating community is made available.

...


8. Reposting of Reddit content is permitted, try to credit the OC.


-Please consider crediting the OC when reposting content. A name of the user or a link to the original post is sufficient.

...

...


Also check out:

Partnered Communities:

1.Lemmy Review

2.Lemmy Be Wholesome

3.Lemmy Shitpost

4.No Stupid Questions

5.You Should Know

6.Credible Defense


Reach out to LillianVS for inclusion on the sidebar.

All communities included on the sidebar are to be made in compliance with the instance rules.

founded 1 year ago
MODERATORS
 

I just got a bill for a Wayfair credit card that was issued by Citi bank that I did not apply for. I never even shopped on that website.

I tried contacting both Citi bank and Wayfair, but since I don't have the full account number, I couldn't get past Citi's automated phone menu.

Wayfair's phone system was a fucking nightmare getting transferred to various departments, but eventually transferred me to a foreign call center where they insisted that they needed my social security number and birth date to file a report, but I'm not giving them that.

The best thing is that the scammer managed to get a higher credit limit than I was able to get on my own card.

all 25 comments
sorted by: hot top controversial new old
[–] [email protected] 1 points 7 months ago
[–] [email protected] 4 points 7 months ago

Just to add, credit limits vary wildly between card issuers. There’s often no rhyme or reason as to why some give such a higher limit. My cards range from like 4k to 12k

[–] [email protected] 46 points 7 months ago

Wayfair won’t be able to help you. You have to go through Citi if you don’t have an identity service. It’s wild that someone from Wayfair asked for your social.

[–] [email protected] 55 points 7 months ago (3 children)

Just a friendly reminder to lock your credit.

[–] [email protected] 33 points 7 months ago* (last edited 7 months ago) (1 children)

Worth noting, there is a difference between “lock” and “freeze”. See this article for the difference but I believe freezing is preferable https://krebsonsecurity.com/2018/09/credit-freezes-are-free-let-the-ice-age-begin/

Freezes are free now and my experience has been they are instantaneous for freezing and thawing.

[–] [email protected] 2 points 7 months ago

I’ve had all my credit frozen for several years, ever since I got a call from Best Buy about someone trying to setup a credit card in my name. I since had a report that my credit line at sprint was declined because my credit was frozen. It’s no big deal to freeze and thaw.

[–] [email protected] 9 points 7 months ago (2 children)

What exactly does it mean to lock one’s credit?

[–] [email protected] 1 points 7 months ago

I meant freeze, which you should do.

[–] [email protected] 11 points 7 months ago (1 children)

Prevents anyone from opening shit with out you very specific pin number....keep that shit in fort knox

[–] [email protected] 5 points 7 months ago

Mine is so secret that even I don't remember what it is, which will be fun when I need to thaw it out.

[–] [email protected] 1 points 7 months ago (1 children)

I would, but mine’s on an upswing right now.

[–] [email protected] 34 points 7 months ago (4 children)

Locking credit doesn't prevent it from changing, it just makes it so no one can get your report until you unlock it. This should be the default behavior, but it would prevent these companies from making as much money.

[–] [email protected] 1 points 2 months ago

Thanks mate.

[–] [email protected] 1 points 7 months ago

"I got to 800. Time to lock it in, go on a spending spree, and not pay anything back!"

[–] [email protected] 3 points 7 months ago (1 children)

Why can’t a scammer who can get your credit report, also unlock your credit?

[–] [email protected] 6 points 7 months ago (1 children)

There is a randomly generated password you get when you freeze it. DONT LOSE IT!! Its a bitch to recover if you do. One of them gives you a list of like 25 different ones you can use (you just type one of the 25 from the list)

[–] [email protected] 6 points 7 months ago

Fascinating. After tens of thousands of years, the financial system discovers passwords.

[–] [email protected] 7 points 7 months ago (1 children)
[–] [email protected] 15 points 7 months ago (1 children)

Yeah locking it just means nobody can open new lines of credit on the social security number. Then you can use multi factor authentication on the different bureau sites. You'll need to lock it on all three... Which sucks.

It's annoying, it's stupid that we have to do this. But you gotta look out for yourself.

[–] [email protected] 4 points 7 months ago

Most places I’ve seen this referenced it is called a “credit freeze”, but good advice nonetheless.

[–] [email protected] 113 points 7 months ago (1 children)

You're a victim of identity theft. You should start here: https://www.usa.gov/identity-theft

[–] [email protected] 33 points 7 months ago (2 children)

Thanks for the link. I wasn't aware of that site.

[–] [email protected] 17 points 7 months ago

Look into the benefits offered by your other credit cards. My identity was stolen a few years ago and I learned like a few months ago that one of my credit cards offers free identity protection services if/when your identity gets stolen.

They handle all of the annoying shit like contacting the bank, getting the debt off of your credit card, etc.

If not, and you were part of the Equifax (or any) hack, you likely have this same service available to you for free.

[–] [email protected] 20 points 7 months ago

Start with a local police report and take that to the credit bureaus; that way you don’t have to deal with Wayfair itself.