A TikToker in her 20s claims she found a Credit One credit card in her name – but she says she had no idea it even existed. It appears her father opened the account in her name.
Kat (@kat.inmytwenties) revealed her disheartening discovery in a video captioned, “I have a feeling I’m not going to like what I find out.” The TikTok post, dated August 15, has been viewed over 1.9 million times at the time of this writing.
The revelation is one of the latest in the history of the family drama, which Kat has shared with her more than 104,000 followers.
A mysterious discovery
Kat, who currently lives with her parents, claims she found the card while retrieving some money from her father’s desk.
“I just went to my dad’s desk in the garage because he said he left money there, like $10 that I could have, and I found a credit card with my name on it,” she tells her viewers. Then she appears to reenact the discovery of the card on camera.
“There’s a CreditOne bank credit card with my name on it on his desk,” she says, holding the card up to the camera. The Credit One logo is visible, but her name is not.
Kat then states that although she has two credit cards with Capitol One, she was unaware of the existence of the Credit One card.
“Then why does it say that it is in my name?” she asks her viewers.
@kat.inmytwenties I don’t think I’m going to like what I find out #fyp #creditcard ♬ Original sound – kat.inmytwenties
What do your viewers think?
Many of Kat’s viewers found the existence of the map questionable, to say the least. However, some felt that the map was not necessarily conclusive evidence.
Bailey (@bdawson03) commented: “He’s either the best dad or the worst dad.”
Another viewer wrote: “He’s either trying to improve your credit or he’s ruining it. May luck be on your side.”
“He probably opened a credit card and added you as an authorized user but never gave you the card. My mom did that to me and it helped improve my credit score significantly,” another added.
Nevertheless, most viewers immediately became suspicious.
“My father did this to me too. I still get calls from creditors. I tell them I have no idea who he is. I transferred everything to him,” wrote Kaiya (@kaidolla).
Another viewer advised: “Credit One is one of the most questionable credit companies around. Not to be confused with Capital One. Please get your report and review it immediately!”
“Oh god… check your credit report or call credit counseling immediately,” added another.
What she found out
Kat followed her viewers’ advice and explained that she contacted Credit One to get information about the card.
In a follow-up video, she claims the bank informed her that the card was opened in her name and had an outstanding balance of $500.
“I did not open the card. I found it in my father’s desk and I assume he opened it in my name,” she told the bank representative on the phone. She says the bank then informed her, “This is technically fraud and you can file a report.”
“I’m really worried right now,” she tells her viewers. “What’s going on that my dad is like, what? Is he so in trouble that he had to get a card in my name… to put $500 on it? So what’s going on?”
She also claims that when she checked her credit report, she had two credit scores.
The Daily Dot has emailed Credit One for comment.
@kat.inmytwenties I don’t think I’m going to like what I find out #fyp #creditcard ♬ Original sound – kat.inmytwenties
What should you do if a relative opens a credit card in your name?
According to credit reporting agency Experian, “family fraud” – where a family member or loved one assumes your identity to apply for a credit card – is all too common, and children are often the target.
“According to Javelin Strategy & Research, over 1 million children were victims of identity fraud in 2017. Perhaps even more shocking is that 60% knew the perpetrator personally,” the website states.
If you suspect that you have been the victim of identity theft by a family member, Identity Guard recommends the following actions:
- Contact your creditors and banks
- Report identity theft to the Federal Trade Commission
- File a report with the police
- Check your credit report
- Notify the major credit bureaus
- Freeze credit
- Change compromised passwords
Kat confronts her father
In a second follow-up video, Kat claims that she neither filed a report nor froze her credit terms, but says that she did eventually confront her father about the card.
She says her father told her, “It was just because he was behind on the bills himself and he really had no other choice.”
Kat claims her response was, “Since this isn’t really the right way to pay bills, I thought, maybe it’s time to sell the house, you know?”
The Daily Dot has reached out to Kat for further comment via email and TikTok direct message.
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