Bank of America Credit Card Complaint

Bank of America Credit card department,

Unsolicited issuance of credit card Pennsylvania

This letter is being written in regards to an issue that Bank of America ( BOA ) is causing due to a credit card issue that they would not fix. The account was originally opened as a credit card with BOA back in -. The credit card, ending in -, was opened as a single applicant in - -, under the name of - -. It has remained that was since that time indefinitely.


I can easily prove this because I have saved each and every single statement. - -, the billings statements changed and reflected both the names of - and - on the bill. I contacted BOA in regards to that and their answer was that it was always that way, which was a lie. I called back several times over the next 9 months constantly asking why all of a sudden did both names show up on the billing statements. No straight answer was ever given. - - was the only applicant to open the account and - - was only an authorized user, nothing more. However, now I started getting differing answers, nothing was consistent from one customer rep to the next. At first I did not make a big deal. I figured eventually it would be taken care of. However, every time I would call, I would get such different answers from all the reps, I made a more concerted effort. I now was demanding that they both remove - from the account as well as provide proof as to when - was added as a coapplicant. Again, every time I would call over the next 2-3 months to get a simple answer to the question of when - was added as a co-applicant, I received a different answer every single time. I was initially told she was added in - -, then I was told she was added in - -, then it was sometime in -, then it was sometime in - and then sometime in -. It was always a different answer. I always demanded for them to send any type of proof, but they have none. They have never had any proof because it never existed. They stated they had to do their research, but it was nearly a full year and they still had no solid answer, because it does not exist. I went to the local branch for help. The branch manager was extremely kind and helpful and did her best to help me. However, we still did not get a legitimate answer and of course, still no proof. As of - -, over a full year later, BOA now states that elsi was added as a co-applicant just a few months after the account was opened. That sounds very convenient for them because now they do n't have to produce any proof because that is almost 15 years ago. I have exhausted all my opportunities directly with BOA before I wrote to the Credit Agencies, who were unable to come to a resolution as well. BOA was not willing to cooperate at all. - - should not and is not responsible for the BOA credit card account ending in -. She should also be removed from the account since she was never legally added on as a co-applicant properly and there is no proof of it. The BOA card presently has a large amount that is owed on it. - - is the sole person that is responsible for that account and I accept that. We are humbly requesting that after you read the letter, you take into consideration the circumstances and the evidence presented. We ask that you help remove any negative reflections against - that may be levied against her because of BOA. We ask that you make sure - is not hurt financially because of the banks mistake, a mistake I tried to correct for over a year with no success. We ask that - 's credit remain intact and clean because it has always been that way and the bank had no right to illegally add her as a co-applicant without permission. Please understand, - does not deserve to have her credit hurt because of their mistake