ww1flyingace
Junior Member
What is the name of your state? Richmond Va
What is the name of your state? Virginia
In November 2006 my sister in Ohio got a credit card with Bank Of America(BOFA), and without my knowledge used me as a co-applicant.
Right away she withdrew 7000 dollars at a 23 % interest rate and of course didnt pay for it.
Finally in August I received my first notification from BOFA/FIA Card Services that this account existed. They called me at work. They have never given me written notification of anything. I think they didnt even know my address or home phone, and probably had to look up where I worked on the internet or something.. Yet they somehow approved me to be a co-applicant?
They said I owed them 8000 dollars or to make the last monthly payment of 186 bucks or this account would go into collections in September. I asked why it took them so long to send me a bill and they stated because I was a co-applicant they didn’t have to send me a copy of the bills.
I attempted to explain to them that I never approved to be a co-applicant. I asked for a copy of the application and they told me that it was done online - no copy existed. I asked them for some kind of documentation that proves I'm a co-applicant and they said they couldn’t do it "It was done online". They did send me copies of all the billing statements.
They didnt want to bother investigating the fact that they messed up. The fact that my sister could actually know my social security number, address, and work information seemed incredible to them. She got it from my mother you idiots!
Despite my telling them it was a fraudulently acquired account. At the end of the phone call they actually asked "So when can we expect payment from you sir". I almost laughed.
In the last 2 weeks I assume they have continued to contact my sister in vain based. They asked me to call yesterday and made it seem as if I was the one avoiding contacting them. I had my final worthless conversation with these people where they again insisted I was a co-applicant and owed them money despite their inability to prove I approved this card.
Their whole argument or justification for pursuing me for this unpaid bill seems to be: An online application was approved by BOFA for a credit card using my “SUPER SECRET” personal information to be a co-applicant so I owe them money. No we don’t have a signed agreement and yes we cant produce a copy but that is good enough for us.
They have already posted 6 late payments to my credit report and today added that this account is going into collections.
I dont plan on communicating with FIA/BOFA again unless Im sitting next to an attorney.
I plan on notifying the 3 credit reporting agencies about this. Will ask them to request an investigation of this account.
I want to hire a lawyer because this looks like a blatant Johnson Versus MBNA case.
What else should I do to clear my credit record or sue BOFA for being idiots.
Im tempted to apply for a loan just to be denied to make their offense worse
The funny thing is. A long time ago I had a MBNA credit card and quickly paid the card off because of their dishonest billing practices. I don’t even use credit cards anymore because of their stinch. I would never co-applicant on a card with a company that bought them. BOFA actually seems worse.
What is the name of your state? Virginia
In November 2006 my sister in Ohio got a credit card with Bank Of America(BOFA), and without my knowledge used me as a co-applicant.
Right away she withdrew 7000 dollars at a 23 % interest rate and of course didnt pay for it.
Finally in August I received my first notification from BOFA/FIA Card Services that this account existed. They called me at work. They have never given me written notification of anything. I think they didnt even know my address or home phone, and probably had to look up where I worked on the internet or something.. Yet they somehow approved me to be a co-applicant?
They said I owed them 8000 dollars or to make the last monthly payment of 186 bucks or this account would go into collections in September. I asked why it took them so long to send me a bill and they stated because I was a co-applicant they didn’t have to send me a copy of the bills.
I attempted to explain to them that I never approved to be a co-applicant. I asked for a copy of the application and they told me that it was done online - no copy existed. I asked them for some kind of documentation that proves I'm a co-applicant and they said they couldn’t do it "It was done online". They did send me copies of all the billing statements.
They didnt want to bother investigating the fact that they messed up. The fact that my sister could actually know my social security number, address, and work information seemed incredible to them. She got it from my mother you idiots!
Despite my telling them it was a fraudulently acquired account. At the end of the phone call they actually asked "So when can we expect payment from you sir". I almost laughed.
In the last 2 weeks I assume they have continued to contact my sister in vain based. They asked me to call yesterday and made it seem as if I was the one avoiding contacting them. I had my final worthless conversation with these people where they again insisted I was a co-applicant and owed them money despite their inability to prove I approved this card.
Their whole argument or justification for pursuing me for this unpaid bill seems to be: An online application was approved by BOFA for a credit card using my “SUPER SECRET” personal information to be a co-applicant so I owe them money. No we don’t have a signed agreement and yes we cant produce a copy but that is good enough for us.
They have already posted 6 late payments to my credit report and today added that this account is going into collections.
I dont plan on communicating with FIA/BOFA again unless Im sitting next to an attorney.
I plan on notifying the 3 credit reporting agencies about this. Will ask them to request an investigation of this account.
I want to hire a lawyer because this looks like a blatant Johnson Versus MBNA case.
What else should I do to clear my credit record or sue BOFA for being idiots.
Im tempted to apply for a loan just to be denied to make their offense worse
The funny thing is. A long time ago I had a MBNA credit card and quickly paid the card off because of their dishonest billing practices. I don’t even use credit cards anymore because of their stinch. I would never co-applicant on a card with a company that bought them. BOFA actually seems worse.
