We never received a second credit card that was ordered. Someone stole it and was able to activate it. Wamu says it was activated from our home phone but we were at the airport at the time and day they say it was activated and we have a home alarm system that would have showed unlawful entry.
Wamu also did not have that number on file as we use our cell phones and do not give out our home number. The card was used in Houston which is 300 miles from where we live. We filed a fraud complaint but Wamu refuses to accept it as they state the card was activated from our home number. This same problem happened to Belinda Worth, Illinois. She was able to show phone records that proved it was not activated from her phone and Wamu still would not help her. Wamu also changed their story with her and then claimed it was activated from her mothers phone but she was able to show phone records that proved that false also.
Internet search shows that criminals can use a VoIP phone and change the number to show your phone number. Other sites say their are illegal web sites that criminals can use to perform Unauthorized credit card activation.
We are going to file complaints with the FDIC and OCC. Regulation Z has protection against Unauthorized use.