Mom Racked Up 8k On My Credit Card

Location: Washington State

Okay so here are the facts:

- I opened a Capital One credit card at 18 with a $300 limit (about 11 years ago)

- About a year later, my mom took the card to "keep in the safe" and told me she would pay off the balance and cancel it

- I never made any payments on the card and no longer had access to it

- A few years ago, I became aware that the account still existed and had a balance of around $5,000

- I did not have access to the account, and I believe the contact information (address/email/phone) had been changed, as I never received statements or notifications

- Last week, I checked again and the balance had increased to around $6,000

- In the last few days, the credit limit was increased (without my involvement) from 7k to 10k and the balance is now close to $8,000, with recent charges including international transactions

- I have not used this card in many years and did not authorize any use of the account

- I was preparing to address this directly, but the balance is now actively increasing

My questions are:

1. Should I report this as fraud/unauthorized use to Capital One?

2. How likely is it that I could still be held responsible for the balance given the length of time?

3. What are the risks or consequences of reporting this, especially if the person responsible is a family member?

4. Should I file a police report, or wait to see what Capital One requires?

I want to handle this correctly and protect myself legally and financially going forward.