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Why does my ex still have access to my credit card information?

By on June 19, 2021 0

Q. I recently found out that my ex-husband is using my credit card company’s automated phone system and entering my personal information to find out my credit card balance, limits and payments. He has not made a purchase or opened a new account. He mistakenly believes that the money he owes me as stated in our divorce agreement is tied to my credit card balance. I called my credit card company but there is no way to stop them from using the automated phone system, so I canceled the card. I have filed a complaint with the police but there is nothing they can do because it is not considered identity theft. Why don’t privacy laws fully protect against someone accessing and viewing your personal financial information?

– Divorced

A. It is an ugly situation.

It’s hard to say why identity protection laws aren’t stronger. This is a question for your legislators.

But depending on your situation, you may want to contact a lawyer to investigate a plague. confidentiality issues.

There are four categories of privacy breaches, said Amber Leach, a certified divorce financial analyst at AXA Advisors / RICH Planning Group in Morristown.

These are: (1) unreasonable intrusion into another’s isolation, (2) appropriation of another’s name or image, (3) unreasonable publicity given to one’s privacy, and (4) advertising that normally puts another in a false light in the public eye, she says.

It depends on how hurt you think you are, how much further you want to go and if it’s worth it, Leach said.

Given your situation, we would like to stress the importance of separate completely after divorce.

Often this is difficult when children are involved or joint ownership of an asset continues after the divorce, Leach said.

“A joint account can be left open for both parties to contribute and pay for certain designated expenses,” Leach said. “Parenting plans and joint expenses can lead to increased involvement with your ex-spouse. This arrangement normally occurs when there is a basic level of trust between the parties.

However, without these types of tangles and with a lack of confidence then it is wise to hit the reset button and completely separate, Leach said.

After the divorce, you might want to take steps to open your own bank account, and as you’ve found out, a new credit card might also be wise, Leach said.

Hope throughout the divorce process you have done a credit check to make sure it is deleted as an authorized user of your cards and you have no unknown past due debt said Leach. Many banks offer this service to their customers or you can do it for free at www.freecreditreport.com.

“The separation is expected to continue with a new mobile phone plan and a change to all of your passwords on existing accounts,” Leach said. “Also, don’t forget to review the beneficiaries of your retirement accounts and life insurance policies. Working with a financial professional can help you organize these steps.

Email your questions to [email protected].

Karin Price Mueller writes on Bamboo column for NJ Advance Media and is the founder of NJMoneyHelp.com. Follow NJMoneyHelp on Twitter @NJMoneyHelp. Find NJMoneyHelp on Facebook. Register for NJMoneyHelp.com‘s weekly electronic newsletter.