Two months ago my husband, while cashing a check, asked the teller for information regarding their rewards credit cards. The teller told him that they did not have any information available but if we filled out a 'request for information' then a packet would be sent to our home. So, my husband filled out his name and address and we were on our way.
Two weeks ago we received a Mexicana airlines credit card in the mail. This raised a red flag, as what my hubby filled out was *not* an application for a card, just a request for information. We called the company and they closed the credit card. They were very apologetic.
The only conclusion both us and the customer service representatives can come to is that the teller or whoever processed the 'application' forged my husband's signature and used his social security number without his permission. BIG problems for them... We also don't know how "Mexicana airlines" was chosen as they have more than one rewards card!
They are also trying to charge us a $45 annual fee for the credit card we NEVER applied for and threaten that if we don't pay up, they'll send us to collections. This incident has also affected our credit as there is another credit inquiry on his credit report, not to mention what would happen if we refuse to pay. We are trying to get the situation ironed out, but so far, no luck! They refuse to take responsibility for what one of their employees did. We have requested the original application to see just who did sign it and how much information they filled in for us!
All in all, we have always had nothing but problems with Bank of America, well, this particular branch anyway. They always hassle my husband about his paychecks telling him that they have to put a 7 day hold on it because they are so large, but hello, it's a PAYROLL paycheck... So of course it's large! I don't know, maybe they get paid in pocket lint or something and they're not used to seeing those big numbers... They've also lost checks that we have deposited and refused to credit our account for them.
We're not sure, but we believe that because we 'defaulted' on the annual fee payment our other credit card's interest rate went up 1.5%... As soon as we can we are switching banks! So, not only did this stunt that someone decided to pull freak us out and worry about ID theft, it has also affected our credit and our trust in our bank... Thanks Bank of America, you have *another* dissatisfied customer!
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