Make Peace With Paperwork
Though 99 percent of your interaction with financial institutions is probably digital, gird yourself for the unfortunate, tree-murdering 1 percent. Whether you’re requesting a refund or reversal after specific acts of fraud, or trying to prove that you didn’t receive the medical services you’re now being billed for, expect to produce paperwork. Even if debt collectors and the like don’t ask for it, collect and send the paperwork anyway, from copies of signed documents whose signatures don’t match your own, to written letters requesting that specific charges or credit hits be deleted. Putting things in writing signals that, for one, you probably aren’t the impostor, who isn’t going to go to the trouble, or risk exposure, by making such direct contact. And second, it creates proof of accountability, and nudges paper-pushers into action.