“There is a credit card balance of approximately one hundred thousand dollars associated with your name.”
I thought I had heard him incorrectly.
“I’m sorry. What?”
“A $100,000 balance,” he repeated. “We need you to come in so we can verify some information.”
I looked down at my coffee.
For a moment, everything around me seemed strangely quiet.
“I don’t have a credit card with a $100,000 balance.”
“That’s what we need to discuss.”
I gripped the edge of the kitchen counter.
“I didn’t apply for a new card.”
“I understand.”
“I didn’t authorize anything.”
“I understand that as well.”
His tone remained calm, but I could hear something underneath it.
Concern.
“Please don’t approve or release anything,” I said.
“We haven’t.”
“I’ll be there as soon as I can.”
“Bring your driver’s license and another form of identification if you have one.”
“I will.”
I ended the call.
Then I stood there staring at my phone.
One hundred thousand dollars.
The number didn’t make sense.
I had excellent credit, but I wasn’t wealthy. I owned my home, maintained my accounts carefully, and paid my bills on time. I had never carried a balance remotely close to that amount.
I was meticulous with financial paperwork.
I kept important documents in a safe.
I reviewed my bank statements.
I never gave out passwords.
And I certainly hadn’t applied for a massive new line of credit.
So how had this happened?
I Didn’t Tell My Family
My first instinct was to call my parents.
Then I stopped.
Something told me not to.
Instead, I went into my home office and opened the safe.
I took out my passport, driver’s license, and the folder containing copies of my important financial documents.
Then I checked my existing bank accounts.
Everything looked normal.
No unusual withdrawals.
No strange transfers.
No unfamiliar charges.