The representative returned to the call and confirmed that the application had been flagged for additional verification.
No funds had been released, but the applicant had supplied enough information to pass the initial screening.
The bank had not contacted me because the p
hone number on the application matched mine, while the email address was different.
Someone had entered my name, my address, my date of birth, and my Social Security number correctly.
Then they had redirected the correspondence.
The representative advised me to freeze my credit, dispute the application, and file an identity theft report.
After the call, Andrew and I sat in silence.
“This isn’t just about Kayla’s debt,” I said.
“No.”
“She’s trying to get twenty-four thousand dollars.”
“Or someone is using her.”
I looked at him.
“You think Daniel?”
“I think we need to establish who owns that business.”
We searched the business registry.
