To be really annoyed at this phrasing?!

[DreamingOfSomethingBetter]

Long story short, abusive ex-partner opened a load of credit cards in my name and I've had to raise them all as fraud and send masses of proof.

A high-street bank responded to me last week that they were closing the accounts "as a goodwill gesture" and my credit file would be updated to match.

A credit card company has responded today to say they "accept my claim of fraud, after thorough review".

Am I being oversensitive? It feels a bit like they don't believe me

It's standard phrasing, I think you're being over sensitive (though in the circumstances, that's understandable)

It's pretty standard. However given circumstances it's understandable that your emotive x

Fair enough, Butter, thanks for confirming!

I guess this is really everyday for them. It feels brutal to me. I've never had accounts with any of them, but I've had to send them report after report on the abuse, my injuries, what happened, where I live...

I'll step back and try not to be so sensitive!

@DreamingOfSomethingBetter I can understand but honestly don't waste anymore headspace on the ex!

Bloody hope they've prosecuted him for fraud though!

That’s exactly it OP, they deal with it every day and it’s part of the cost of doing business for them. For most of us it’s a never- or once-in-a-lifetime occurrence, and extremely stressful to say the least!

I’m so sorry this has happened to you

Actually on second thoughts they allowed him to get away with fraud, how did he do it? They should be bloody well apologising to you that this happened.

Although for your sanity maybe best to not pursue it any further.

The first one is telling you that they have not thoroughly investigated or found definitive proof it was he who opened the cards, but they will behave as thought they have. That tells you they either have a 'don't throw too much time and effort at it' attitude towards relationship fraud or are very much supportive of women who are abused by their partners and choose not to require absolute proof of the fraud, just the likelihood!

The second one has told you that they did investigate and did find evidence that ot was not you who opened the cards. That tells you that they could be useful if you want to go to court!

Yes, you are being oversensitive. Who wouldn't be!

But at least your credit file is being returned to you in its proper condition.