AHA! Spoke to the fraud dept just now. No no no. That woman last night was all wrong. They are not using the card as bait.

THEY PLUM FORGOT TO CLOSE IT OUT LAST MARCH!!!!!!!!!!

The woman last night stated that the account in question was closed out last march and had a "0" balance on it.

The fraud unit guy today stated that it is an open account under my name with a $3k+ balance on it. The best he could do was to flag the account, send me an affadvit, and go through the EXACT same procedures as last year. Until then, that crap will pollute my credit report.

I don't know what else to say, but I am going to state a complaint to the Federal Trade Commission.