The only CC I know of that had your pic on it was Citibank Mastercard. I got one back in 93 or 94. I dropped them back in 2009 when they told me they were gonna start charging me for having the thing unless I charged $2400 a year on it. Got Gupta in India on the phone and canceled it.
Now... if I found a CC laying in the grass, I would call the CC company, tell them I found it, tell them to cancel the account and notify the CC owner.
I don't believe this story for a second. Dummies lie. Dummies lie all the time. Dummies lie even when it doesn't benefit them to lie.