Originally Posted by Midpack
Today I got an email saying "I" missed my Jan payment, so the account holder missed his first months payment on a $374 balance. Never had a Capital One card, and never will (now).
This does begin to sound like the account holder is complicit in a fraudulent act. (You also mentioned that you received initial emails from Amex and Discovery.) You will only know if your SS number is associated with the account once you check your credit reports. Given what you know I think I would also freeze my credit for the time being until this sorts itself out. If you get an email stating that the account holder missed his second payment I would think that a call to Cap One's fraud alert department would be taken more seriously. In that case I don't see the harm in sharing your SS # with them. Does the notice via email use a name? Like Mr. John Doe; You have missed a payment?
FYI. I have a Cap One credit card and they have always handled my account very well. Their fraud alert department is very diligent. I am out of the country at present and they have called and emailed me about charges to my credit card, this despite the fact that I set up an away alert on their website. I suppose you could consider that incompetence but I call it an abundance of caution on their part.