<prompt> Human: I downloaded the Credit Karma app about 6 months ago to monitor my credit score. I am 23 years old currently in college. When I first looked at my credit report, I saw that there were multiple cards opened under my name that I had never signed up for. These cards to date total 12,381. After researching the companies that the cards were opened under, I found out that 2 of them are Capital One accounts, 2 are Care Credit accounts, One is a Compass account, and the other is an affiliate with Victoria secrets. A little background: My family has had its ups and downs financially, but never have we lost a house or went into major debt as far as I know. My mom handles the finances in the family which i think is the problem and my dad just does the work. On average through the last 10 years my dad has consistently made over 200k per year before taxes. I am under the impression that he does not know my mom has opened credit cards under my name and my brothers names 21, and 16 years old. Nor does he know the amount of debt she has racked up on these cards. I do need to mention that my dad has cheated on my mother before and has damn near torn this family apart after she found out. It only happened once, as far as I know but it was seriously rough when it happened. As a result of this, my mother and I are very close. More of friends than a mother-son relationship. She does everything for me, sends me money when I need it, buys me clothes, pays for college, insurance, cell phone ect. So as you may image it is a VERY sensitive subject. In the past, If I had ever thrown her under the bus with my dad, she guilt tripped me from the age of 6 to 23 to no end. How could i do this to her after all she has done for me all these years... ect you get the picture. So to get to the point, I have never approached my dad regarding my knowledge of her having debt in mine and my brothers names. The most recent episode of her adding debt to my name was when she opened a Care Credit account in my name. It was originally supposed to be for my orthodontist costs. However, I left for college before the appointments ever took place, and as a result there was never a balance on those cards. She has had breast implants goin on 8 years now and 6 months ago or so, she had one of her implants pop. Instead of her paying for the procedure out of pocket, she put 4,700 on one care credit account under my name, and 5,800 on a Capital one account to pay for the procedure. Obviously when these charges were placed on my account Credit Karma sent me emails letting me know there was a large amount of recent activity on my accounts. Obviously I knew this wasnt me, and immediately went to my mom saying how my accounts had been compromised and fraud was committed against me. She turned red, turned around and said that she paid for her surgery with those credit cards, and to please dont say anything to your father, ... I didnt and just kept it to myself thinking that she would pay it off in a few months time. Turns out, shes making the minimum payments on these accounts and as a result my credit score has suffered due to having a poor very high credit utilization to credit limit ratio. What happened today was the final straw for me. I was on vacation in Miami with a friend when I received an email stating that there had been a credit monitoring alert on my account. This alert showed me that there had been a Hard Inquiry for an Amazon Credit card. I Immediately called the credit card company and stated that I did not authorize this credit card. They stated that they will remove the hard inquiry and require a personal consultation before any more accounts are opened in my name from now on. They also said that they will send a white envelope in the mail within 7-10 days stating that the credit card that was applied for was denied due to my request. I know that my mom was the one who opened the credit card under my name, but I didnt tell the rep that. What Im concerned about is her receiving the mail expecting a credit card with my name on it, and instead receiving a credit fraud notification. Please tell me what I need to do in order to get this resolved. She already has a tremendous amount of debt under my name, let alone what she has under my brothers names. I have no idea what the numbers are total, but I believe that they could be well above 30k. How do I approach this sensitive situation without causing her to think I betrayed her and ruining our relationship... sorry for the wall of text  <response>: you betrayed her? lol you got that ass backwards.close all of the accounts and tell her this ends now.The next sentence depends whether you plan to pay for this fraud yourself or intend to tell her to do it. 