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.
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.
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.