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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    1. Patrick McKenzie‏ @patio11 8 Sep 2017
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      You will be inclined to do things over phone, because credit reporting agencies and banks push people to it (and lately apps). No. Calls.

      1 reply 83 retweets 379 likes
      Show this thread
    2. Patrick McKenzie‏ @patio11 8 Sep 2017
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      Everyone attached to a telephone at a CRA has scripts which are optimized for getting you off the phone and minimal ability to help.

      1 reply 64 retweets 384 likes
      Show this thread
    3. Patrick McKenzie‏ @patio11 8 Sep 2017
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      If someone has opened an account in your name do not call the bank and ask them to close it. You do not have or want authority on acct!

      19 replies 251 retweets 797 likes
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    4. Patrick McKenzie‏ @patio11 8 Sep 2017
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      You should file a police report locally and get the police to issue a paper copy or receipt. It doesn't matter if they investigateZ

      5 replies 117 retweets 522 likes
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    5. Patrick McKenzie‏ @patio11 8 Sep 2017
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      You will snailmail copy of that report to the bank's legal department (address available online) with a short letter.

      3 replies 81 retweets 447 likes
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    6. Patrick McKenzie‏ @patio11 8 Sep 2017
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      The contents of the letter: you did not open; correct immediately; any collections activity including reporting to CRAs a FCRA violation.

      2 replies 87 retweets 573 likes
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    7. Patrick McKenzie‏ @patio11 8 Sep 2017
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      The bank is responsible for all damages and this letter is specific written notice of your complaint. You require resolution immediately.

      1 reply 80 retweets 492 likes
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    8. Patrick McKenzie‏ @patio11 8 Sep 2017
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      You also require all communication about the matter to be in writing to you.

      3 replies 70 retweets 439 likes
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    9. Patrick McKenzie‏ @patio11 8 Sep 2017
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      Why do you write these things? Because you a) start the clock on a variety of regulatory state machines and b) signal that you know that.

      2 replies 85 retweets 560 likes
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    10. Patrick McKenzie‏ @patio11 8 Sep 2017
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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.

      2 replies 138 retweets 708 likes
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      Patrick McKenzie‏ @patio11 8 Sep 2017
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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.

      10:31 PM - 8 Sep 2017
      • 56 Retweets
      • 446 Likes
      • MWR DBM Cindy Lou Who BadWolf303 #70DayDeadlyDelay Ryan Graves JJ Welch Nia Gillenwater Liza Herz Cam Jon Nielsen
      3 replies 56 retweets 446 likes
        1. New conversation
        2. Patrick McKenzie‏ @patio11 8 Sep 2017
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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.

          5 replies 59 retweets 394 likes
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        3. Patrick McKenzie‏ @patio11 8 Sep 2017
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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.

          2 replies 59 retweets 388 likes
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        4. Patrick McKenzie‏ @patio11 8 Sep 2017
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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."

          1 reply 62 retweets 376 likes
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        5. Patrick McKenzie‏ @patio11 8 Sep 2017
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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.

          2 replies 62 retweets 443 likes
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        6. Patrick McKenzie‏ @patio11 8 Sep 2017
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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.

          1 reply 94 retweets 523 likes
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        7. Patrick McKenzie‏ @patio11 8 Sep 2017
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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.

          9 replies 159 retweets 802 likes
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        8. Patrick McKenzie‏ @patio11 9 Sep 2017
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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/ …

          39 replies 509 retweets 1,686 likes
          Show this thread
        9. End of conversation
        1. Scott Kerfoot‏ @scottker 9 Sep 2017
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          Replying to @patio11

          when using snail mail, do you recommend tracking, certified, registered, etc?

          0 replies 0 retweets 1 like
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