Final answer:
Bobbie should suspect identity theft and take immediate steps to protect themselves. This includes notifying the bank in writing, filing a police report, and monitoring their credit history for any other unauthorized activities. Prevention measures such as using strong passwords and having anti-virus software are also crucial for security.
Step-by-step explanation:
If Bobbie received a call from a bank about a past due fee on a credit card Bobbie does not recognize, Bobbie should suspect identity theft. Identity theft, also known as true-name fraud, occurs when someone illegally acquires and uses another person's personal information without their permission, such as a social security number or credit card information, and uses it to steal that person's identity.
This can lead to unauthorized transactions and huge debts accrued in the victim's name. Bobbie should take prompt action to protect their identity and finances. Obviously, notifying the bank and card issuer of fraudulent charges, in writing, is critical to dispute any unauthorized transactions.
Additionally, Bobbie should file a police report on the fraudulent charges to have an official record of the incident. Lastly, monitoring credit history closely for signs of further fraud is imperative for catching and addressing any additional unauthorized activities early on.
It is important for Bobbie to also take preventative measures such as using strong passwords and PINs, having up-to-date anti-virus software, and notifying financial institutions of any changes in contact information.
By being vigilant about the security of personal and financial information, such as protecting credit cards, mailboxes, and wallets, Bobbie can minimize the risk of identity theft and its potentially devastating consequences.