4
4evryng
Guest
What is the name of your state? Ca
i applied for a credit card years ago and requested the issuance of a second card. the purpose for the secondary card ceased to be an issue and the account was closed, by myself, a couple years later. fast forward...
the account was never closed. it turns out that the secondary cardholder changed account information and was using the account. i did not claim fraud as the second cardholder is my sister.
i spoke with a customer service rep at the card company and was informed that i could get account ownership changed. i submitted everything i was informed that i needed to submit and thought nothing of it.
6 months later, the issuing company is calling me informing me that they are now going to take me to court.
several issues are apparent:
1) the issuing bank allowed a non-account owner access and ability to affect change of account information
2) the issuing bank's own representative, at the time, informed me that this would end my obligation
this whole matter has gotten me so stressed out that i have not been sleeping at all. my work has now become affected, although not easy to quantify given the time of year.
if this actually sees a courtroom, do i have basis for a countersuit claiming:
1) intentional infliction of emotional distress
2) violation of privacy
3) breech of contract
and can i attach monetary values to each of these? how much will state credit law affect my ability to countersue?
help!
i applied for a credit card years ago and requested the issuance of a second card. the purpose for the secondary card ceased to be an issue and the account was closed, by myself, a couple years later. fast forward...
the account was never closed. it turns out that the secondary cardholder changed account information and was using the account. i did not claim fraud as the second cardholder is my sister.
i spoke with a customer service rep at the card company and was informed that i could get account ownership changed. i submitted everything i was informed that i needed to submit and thought nothing of it.
6 months later, the issuing company is calling me informing me that they are now going to take me to court.
several issues are apparent:
1) the issuing bank allowed a non-account owner access and ability to affect change of account information
2) the issuing bank's own representative, at the time, informed me that this would end my obligation
this whole matter has gotten me so stressed out that i have not been sleeping at all. my work has now become affected, although not easy to quantify given the time of year.
if this actually sees a courtroom, do i have basis for a countersuit claiming:
1) intentional infliction of emotional distress
2) violation of privacy
3) breech of contract
and can i attach monetary values to each of these? how much will state credit law affect my ability to countersue?
help!