I just called them. HORRIBLE customer service! They said the account has been closed and deleted off my credit report. They said there is no investigation to be done because nothing was ever charged to the account. They do not investigate to see who applied.
That's because there's no money in it for them. Banks will (sometimes) go after fraudulent transactions that cost them money. They will usually not involve themselves in criminal cases that don't result in an award of damages, because it's simply not good business.
You'll need to involve the criminal authorities and have the CC company's records, and all internet providers' records down the line, subpoenaed. The prosecutor will have to prove the perpetrator's involvement at every step (which can be 20-40 times the packets are routed) from their home computer, their internet provider, all the way to the CC company's server. Luckily many of those routers are owned by the same companies, so maybe 5-10 subpoenas would have to be served.
The weak link in a lot of these cases is when the perpetrator is either based outside the US or uses servers in rogue countries as a proxy. Those records will never make it to court, and leave a hole in the prosecution's case. As you're concerned with an amateur based in the US, this probably won't affect you.
