Bank Of America
Ripoff told me that they didn't have to honor a Judge's Ruling!

My NOW ex husband used my personal information, applied for a credit card with BOA, ordered an additional card in his name and ran up a hefty balance without my knowledge. I sent him packing. I reported this to BOA through their fraud department. I communicated to them each month as they called and ask for payment that I was in the middle of a divorce, and explained what had happened. They asked that I send a copy of the divorce decree.

I did that twice to two different representatives. My lawyer requested (a year ago next month) that they send to us, the original application and charge slips showing signatures, in order for us to charge him with forgery. They still have not sent us a thing and in one conversation that I had with them, said that they would request the application, but, that they MAY NOT HAVE IT! The account was opened in my maiden name which I have not used since 2000. The divorce judge decreed that HE was responsible for the debt and that he had used my personal info without my knowledge.

A BOA representative told me that they do not acknowledge Divorce Decrees??? (America, Judges, Lawyers, Rulings???) Since this now shows up on my Credit Report and I have been trying to get this settled for almost a year, I wrote to BOA (using certified mail) at the address supplied by Equifax for BOA, only to have my letter come back as the address was no longer valid and the forwarding address had expired. I spent 30 minutes with a BOA Personal Banker yesterday trying to get an actual physical address to resend the letter.

He was put on hold 3 times, spoke with 2 different people, was cut off twice and finally handed me a phone number and said that I could TRY that number and MAYBE get an address other than a P.O. Box in order to have someone actually sign and acknowledge that my letter had been received. My parents have their retirement investments with BOA and after this ordeal have decided that BOA has serious security flaws, total non communication and customer service problems. They have really gotten too BIG to care!

They are moving their investments. My thoughts on the whole mess is that BOA must have sent a pre approved offer to my home that my ex husband filled out and mailed in or he applied quite effortlessly over the internet, received the cards and activated his. This first way is a Federal Mail Fraud Charge, but since BOA will not supply the original document - I can't press charges. The second way is lack of customer security - just because I was married to him at the time, shouldn't mean that I am responsible. I could have had a bad room mate as easily as a bad husband.

If you really care about your customers - BOA - send me an address where I can write to request the REGISTERED AGENT FOR BOA IN MISSOURI. OH, and as far as using the Arizona address for this report - I have NO IDEA where to contact BOA Credit Card Services! (And apparently my local branch doesn't either)

Company: Bank Of America
Country: USA
State: Arizona
City: Phoenix
Address: 1825 E. Buckeye Rd

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