Mikey wrote:
I am in the Navy and was stationed on a ship overseas on a 6-month deployment to the Middle East when a Bank of America CC was opened. I was not divorced at the time but was separated 9 months prior to this account being opened. I had a general Power Of Attorney drafted for my wife (at the time) to ensure she could pay bills while I was away. Unfortunately, she abused the POA and opened this account (I suspect) using my income information (she does not work) to get approved. It is showing up on my CR's as an individual account for me. I've never had a card in my possession and only recently noticed it on my reports when I had to file BK. I've called B of A asking to see the application and signature used. I really didn't expect them to have the application on file after 5 years but thought I would ask. Of course, they said they would and call me back in a couple days which they never did. I drafted a certified letter with a memo from my ship enclosed showing the ship was overseas at the time. I received the return receipt, proving they received my letter, but never received a results of their findings letter. I've disputed with the CRA's and keep getting responses that the item is "verified and updated". I eventually had to include this in my BK filing and to make matters worse, it has a past due of 60 days included in the remarks. My ex and I are not on the best terms so I don't think she would do me the favor of accepting responsibility for this. Is there anything I can do that I haven't already tried?
Thank you, Mike
Mikey, keep in mind that no signiture is required to apply online for a CC.
I have applied for several in my DH name. He finds out when I activate it & hand it to him.
Your X might have put her name on this account as an AU.
This is just my opinion
I would mail CMRRR to BOA. In it I would state that you did not open the account and were out of the country at the time! I would not say 1 word about POA they would never have asked her for it & have no idea what it is. I also would not bring up X-wife at all in the letter.
IF I were asked about wife or g/f I would simply say * I was seperated approx. 9 months before I deployed! We did not live at same address.
It is up to them to prove that the account is yours to begin with. Do not offer any info.
Never talk to them on the phone. They will twist whatever you say to suit themselves.
I would also send to CRA copy of the letter along with proof that you were OTC at the time the account was opened. They might ignore it but who knows.
I would also demand that BOA send you copy of your signiture (which they do not have)
Now I never sign any letter that I send to creditor. I type account # Name, and address, I also do not include my SS#.
Sorry but I do not trust them at all.
