Union Bank Bank Account Or Service Complaint

Union Bank Bank account or service department,

Other bank product/service Account opening, closing, or management California

Myself and a family member opened up a joint checking account with Union Bank of California, now known as MUFG Union Bank, in 2002. The checking account was for the benefit and use of that family member. Subsequent to opening the account, that family member applied for and received a personal line of credit affiliated with the account. That line of credit, while not technically an overdraft account per Federal Law, is an open-end credit account that includes the ability to transfer funds from that account to the checking account and fulfills an overdraft protection function. According to Union Bank, I am listed as a joint account holder of the line of credit account even though I did not consent to that line of credit application. According to Union Bank customer service supervisor -, Union Bank considers me to be jointly and severally responsible for payment on the line of credit account along with that family member just by virtue of me having a joint checking account with that family member. Union Bank refused to provide any substantiation of my responsibility for the balance of this line of credit.