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28.1.17

The Devil is Real

JC and I have been saving our pennies, essentially since we married, in the hopes of one day purchasing a house. Last year we felt we were ready to take the plunge into the scary world of home-owners. Early in 2016 (like February or March), JC called our bank to ask about a mortgage. They ran a credit check and my score was over 100 points lower than what it had been when JC checked at Christmas. Since I am not a big spender, I don't have any delinquent loans, or secret off-shore bank accounts this was a red flag. The bank did not know why my credit score would be low so JC pulled my credit reports. The reports showed that I had a delinquent account with Comcast. I have not had an account with Comcast in years.

When we lived in C-ville, JC and I used Comcast. For internet, in C-ville there are really only two options: the first is a very expensive local provider, the second is Comcast. As young newly weds and college students we went with Comcast. The service was awful (as in unreliable). Our internet would frequently stop working, we would call Comcast, they would send a guy out to do service, and then we may or may not have internet again. It was ridiculous. I has in school and had homework assignments that required reliable internet usage. We ultimately decided to end our contract with Comcast and I would do my homework either on campus or at my in-laws.
After that our lives became much happier.
And that was the last time I have held a Comcast account.

So to hear that I had an account with them was laughable. JC was able to get the address and name on the account (Texas and not my name). We were confused why an account held in a state that I had never been to (nor did I know anyone living there) and not in my name would be linked to me. There is no way to directly access the Comcast fraud department and when you call in using the number provided on their website, none of the employees knew how to transfer you to that department. Frustrated, I got onto Comcast's Facebook account and left really bad reviews. Service employees responded to my complaints and we were finally able to get in contact with their fraud department. We spent over a month working with the department. They couldn't do anything but helped us figure out what paper work we needed.

Part of the paper work involved me going to the police station to file a report. The officer thought it was ridiculous and tried calling Comcast who refused to talk to him unless he had a court document.

JC drove to Indiana (where the closest Comcast office is) to get documentation on our most recent Comcast accounts because they would not send them over the phone. The employee at the office could not figure out how to print our accounts as the system was preventing her. She promised to mail them to JC who made the 90 minute drive back home and we received them in the mail a week later. I then filled out the paperwork and sent it in along with the police report, four months later my credit score was fixed (to be fair, the long wait here could be because of the credit agencies and not Comcast as scores are not frequently updated).

What happened, when the person in Texas opened an account with Comcast they gave my SSN. I have no idea how they got my SSN (they could have used a random generator). But here are the important questions: why did Comcast need a SSN to open that account? Neither JC nor I have ever given our SSNs to open internet accounts. Why was the information associated with that SSN not checked? JC and I used to be apartment managers we would run background and checks using the prospective tenants SSN and other provided information. Had a Comcast employee run a credit check when the account was opened they would have seen that the SSN and name did not match and this whole nightmare would not have happened.

This cartoon accurately depicts my feelings:


And we will never have an account with Comcast again.

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