Rebecca Nicole Hannah Zajac is not a name two people are likely to have. Yet, my daughter, living in the United States, found that someone with this name and the same birthday as her had opened three bank accounts and overdrawn these accounts substantially. Thus, when Rebecca came to open a bank account in New York City, she was told it was not possible because she already had three accounts on which money was owed at another bank. This is a real and not uncommon scenario in the US where, because of the complexity of the banking system, identity fraud is rife. For Australians visiting or living in the US since the new homeland security laws came into force, it is quite difficult to open a bank account there. On the other hand, having one’s credit card skimmed to duplicate the cardholder’s name, the card’s number and other data is easy.
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