Free options also exist through many banks these days; they use them as aquisition/retention channels. Amex and Capitol One both offer.
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One group in the bank is scored on tickets per hour. Another's KPI is "zero regulatory actions this quarter." You only want to talk to them.
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People do not believe me on this but trust me a professional firm letter from someone who sounds competent gets to a lawyer or SVP reliably.
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Keep copies of everything, indefinitely. Keep a log of when mail was sent and when mail was received. Dropbox is your friend.
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Because of reasons that are difficult to express in a tweet, these issues can appear solved and then affect you 5 years down the line.
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In the event that happens, you want an organized file that you can mail in attached to a letter titled "intent to sue."
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You should not act like a supplicant; you owe the bank nothing as you're not in a commercial relationship with them. But: no anger.
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You do *not* want to be read as someone who is angry and needs to be talked down. You want to be read as someone collecting a paper trail.
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Yelling cannot hurt a bank. Bluster cannot hurt a bank. They are institutionally aware of this. Paper trails, though, have consequences.
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I followed up on this tweetstorm with a longer version here: http://www.kalzumeus.com/2017/09/09/identity-theft-credit-reports/ …
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I think this may have been missing (or underplayed) in your blog post.
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Thanks, will try taking a whack at it tomorrow. Which of "starts clocks" and "signals you know clocks exist", or both, did I under cover?
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