We Discovered a Family Secret! 

I used to work for A Big Bank, and this happens more than you want to know. Fraud from someone you don't know is bad enough, when people you love do it, it's worse.

Know a woman who opened CC accounts and utilities in all 5 of her kids names. When they got old enough to move out they couldn't even rent an apartment or get electric turned on. 😢

That's got to suck. Mom dies and you find out she betrayed you and now you can't even confront her about it.

My older brother has done this to my parents. Dad hated debt. He wouldn't & literally couldn't take out an online loan against his house. Now, my brother is durable power of attorney for my mom.

One day years ago I met a young lady at the Dept of Motor Vehicles. I was there to get my license renewed but she was there because out of state SISTER had fraudulently gotten a NC Drivers License using the sisters information - and then proceeded to rack up massive speeding tickets. The lady I met didn't know about this until she attempted to get her license renewed and found that her license was blocked/cancelled (for non payment, failure to appear in court, and repeated speeding). How horrible to be betrayed by a loved one.

You will need to file a police report against your relative in most states to clear this up. A lot of people wont do this because they dont want to get the family member in trouble. They however had no problem with you getting into financial trouble.

I agree with George. I would also request talking to a manager of the credit card company if it hasn't yet been escalated to that level.

That guy is not liable, he is a victim of identity theft. He is not supposed to pay any of this.

Anger deserved but nothing you can do.😊

What a despicable thing for a parent to do to their kid. Sickening.

I would have a big garage sale and sell all the crap mom bought with the 11 credit cards to pay off the last card. Plus he makes $90k- just pay it and walk away.

She gave her husband the best fathers day gift ever. Peace in retirement.

The thing that drives me nuts about this is…your children are their own person. Who are you to go & do something on their behalf? Idc if they’re 5 or 25. Let them live their own lives & stop deciding that they’re gonna need or use credit. Saying this is a mom. My oldest is 5 & even at 5, I let him choose what he wants to do. He gets options. They’re his choices. I never impose my will or wants on him just because I pushed him out like what kind of controlling mess is that

My mom did this to me and my 3 sisters and we did not find out how bad it was till after she died.

Wow, a rare horrible take from the Ramsay team. No one is liable for fraud. The Credit company needs to get rid of it... like the law says.

Please remember folks “People are who they are before and AFTER kids”. Create your own families and friend groups that you can trust whole heartedly. It’s amazingly nice people in this world. Don’t allow betrayal to close your heart chakra ❤

Really good advice! When he explained his problem just cut bait and get rid of it. Small dent and restricts your expenses, but you're completely free of the constant hassle.

There is no way I would pay this. The beauty is you don't have to send her to jail. Get a police report for identity theft and send it to them.

That mother doesn’t deserve sympathy!

This video was incredibly helpful to me. I am facing a similar bill from the IRS, because one of my grown children lied on her taxes. I was going to fight it, but after listening to this, I’m just going to pay it. It’s too little money for the effort to get it cancelled. Yes I’m right, and the IRS doesn’t care.

The guy that called is hilarious!😂😂😂

Check your credit report at least once a year! No credit card or loan should exist for years without you knowing about it.

Someone filed an unemployment claim under my husband's name a couple of months ago. And he still works for the same company. It was easy to battle since the company told him right away and he still worked there, so money was not transferred anywhere. But police refused to do anything about it since nobody actually stole any money from him. They just told him to come back when someone actually takes him money. Mmm, Colorado Springs police. But when you call them when the crime actually happened (hit and run, happened to me and my friend on separate occasions, and a case of theft), they say they are busy and if ambulance is not needed, then it's not too serious and they are not coming.

Jade DISCOVERED there was a problem alright!

How sad :( dealing with the death and betrayal simultaneously. If the money was NO issue, pay it off, sure. But... Idk. Why can't he just report identity theft, fraud? Surely he can't be held responsible?

Dagnabbit! Love it

Wow, about 5 years ago I got denied for a credit card because working as a casual for 15 years wasn't secure employment, & was deemed too risky. I was only applying for $1000 limit. That rejection almost ruined my chance at a home loan, as I was asked about it.

Thanks always record their telephone calls. Make them look up the call and see what they told you.

It’s his mother fault. 100% she was a liar. I understand that it probably easier to get angry at “this big credit card company”, but this was all his mother’s doing. What a horrible woman.

I wouldn't pay it. I would send the cc company a registered letter letting them know I will contact their local police and tell them a lawyer will be contacting them, AND the higher ups will be contacted, AND the Consumer Financial Protection Bureau will be contacted with whose ever name they have been talking to at the cc company. . That will take care of it.

Wow! What a terrible thing for a mom to do to her child. I would get legal advice on that one.

lit ep

Omg this is heartbreaking. I used to date a guy and his parents constantly used his credit cards and he knew about it. I thought it was really bizarre. Another guy I knew told me his mother ruined his credit by opening credit cards in his name starting when he was 18 years old. How could a mother do this??? He found out later in life. Is anything sacred anymore?

Was the late mother a victim of Alzheimer's, in taking out so many credit cards?? If you ever cancel via a phone call, immediately send a registered letter confirming the transactions!! Email's might not be enough legal evidence in case of fraud... Maybe all high school seniors at the age of 17-3/4 years should pull their credit report to see if the parents have defrauded the children??

Dagnabit 🤣

Don’t they have the original application form?

God is Good!!! My Wife and I just Acquired a new House here in Notting Hill, Despite all the ups and down in House Crisis in U.K... As you Congratulate me your own testimony awaits you. Praise God!❤️

Maybe the U.S. should rethink their financial policies this won't be possible in Europe to have 10 credit cards. Banks in Europe don't necessarily give you money if they are unsure you can give it back to them and thats a good thing.

This was already posted a few days ago .

He does check his credit report often.

Send them a copy of a police report and they have to close it

I went to war with a credit union in order to make a final payment, but I DID pay it. Get it over with.

I think the bank has plenty leg to stand on. You utilized the plane ticket. Services were rendered and you benefited from it. This is between you and your mom. Simple as that.

I guess that is the kind of legacy that she was willing to leave. Sad that her son had to find out.

I wouldn't pay it. Let it go to collections. Statue of limitations is 4 years in TX once it goes to collections. I would call again and tell them it's fraud and then let it go.If they decide to put out a judgment within the 4 years then pay it

Statute of limitation. Should have never called them in the first place. Don't listen to these 2. Do not pay it.

Call the cc company and tell them you called after her death and they said they would take care of it but didn't. Pay what you used (airline ticket) and be done, closed, finished.

Oh Hell no. You did not sign the application for that card, Easy to get that handled. You're looking to buy a house; they've dinged your credit. You might have an action against them. Other than that would be bad advice.

Have a permanent freeze on your credit file, everybody.

Jeez, what a terrible way to "remember" a person's mother. Despite the love present when she was alive, it would always cast a shadow over the memory for me.

The stress and deception took mom out 😢

I have a friend who’s sister does that but she does it for her sister against her will. Like she buys her a car putting on my friends name by impostering my friend.

Wouldn’t that open the door for others to see this as acceptance of the debt?

Oh my goodness so sad I pray he was able to grieve properly after this. God bless Tristan and all involved in this!!!

That’s the great thing about Dave’s plan. You now have the money to pay off crap like this. BS6 💰

Tax debt will clear out in 10 years once the statue of limitation kicks in. Talk to a CPA skilled in IRS representation. Or look me up in Grapevine TX.

Freeze your credit and unfreeze for a day when you need it.

That is a horrific thing for a mom to do to a kid.

I can't imagine doing this to my child

Nope. I’d report it to the State Attorney General and the Department of Consumer Affairs. Bet the credit card company will change their attitude real quick.

so his income is 9100 or 91k ?

You will have a higher rate on a mortgage if you do manual underwriting. Banks factor in worse case scenarios using the bills you provided. Credit is important and must not be overused.

To be honest when my younger 2 daughters were still in high school I added them as authorized users on my old navy card so they could go buy some clothes. We were all busy and they were driving anyway. Youngest only used it once. When she was in grad school she had the idea instead of renting, she would buy a house. Her now fiance was with her in PA where they rented but in WV she bought a house. They knew not to buy it together until they were married but his parents offered to cosign for her. She didnt need them or us for that matter. That old navy account bumped her credit so that she got the house on her own, graduated then sold it for about 25k over what she payed.

If she was alive, she'd be toast. Family gets no quarter.

Oh my Gosh!

Ouch! I can't image a parent doing that to their child.

✝️

Get a lawyer!!!!!!!!

My mom passed away last Father’s Day too! 😢

They should just not allow kids to open credit cards. They should only be for adults 21+, coz even 18 is still young and doesn't know much.

The bank does zero due diligence to verify his identity and he get's the bill? Umm no.

I put my child on one of my cards and she blew it up on her own.

Im wondering what she spent all that money on 😮probably online gambling 🎰

Id pay the 1800

JOHN 14:6😊

Sad

Women lying through omission is default. Than guilt tripping and crying to try to get out of it. Pretty sad.

What happens if he just doesn’t pay it? Are they going to deport him to Gaza?

He should feel bitter & that shit is fucked up

Mom gets no pass..she was a mean evil person

Can’t blame the credit card company “let them win” your mom did it

Oh wow... Sue the estate. It stinks that the fraudster is mom who had to die in order for the caller to find out. However, the estate needs to pay out. I knew a woman who did this, but she took out the cards in her elderly father's name and paid them through his checking account. When he died, the calls started coming in about the past due accounts. She laughed it off and it seemed to be a point of pride that she was able to negate/walk away from $15,000 to $20,000 worth of debt. As a side note, it does not seem that Tristan's mom did what she did for anyone's benefit. Had her fraud been beneficial, she would have let Tristan know about it at 18 and given him the opportunity to take over the credit card account. My husband checks our credit accounts once or twice a year.

"In her mind she thought she was doing what was best for us..." Really? Identity theft? Seriously?! Dude wake up...

Let the credit card company win?? Your mom was the one who frauded them!

dagnabbit

If it's ur mom, how is that a fraud. It's her fault

Why are these 2 now are worried about your credit?

George and Jade are my favorites, and ever more so with the Blondie shirt.

uh no one blows up credit by accident. thats bs. doesnt matter if you dont care about credit, many things revolve around it.

My mom took out a card in my name and sold all my savings bonds before I was 18. That's still not worse than what's she's done to my dad.

My ex opened 4 credit cards in my name and when she divorced me I got all these bills from credit card companies that I didn't even know about. She had rented an apartment in a town 40 miles away where she worked and had the statements sent to that address till the divorce was final so I was stuck for 50K in credit card debt. Men, go the other way, cause she also got almost everything I had from the judge. Western society sucks for married men.

What a horrible thing to discover

First

The secret is that dad has a crate with guns and coins burried deep under concrete in the basement😅😅😂

they're all better off without her

$1800 airfare. His mom wasn’t too good at shopping for deals either.

Wow this guy just transferred all that CC debt to us. Closed as Fraud. I mean not really?

This guy probably needs an Affidavit swearing all that happened and a police report.

L mom

Mom's was gay like the woman host.