I was the victim of identy theft. I know who did this - they were living with me at the time. They used my personal information to open a credit card, maxed it out and hid the bills from me. I learned of this after receiving a phone call from BOA telling me that I was late on the payment. When I confronted the theif, he took off and I do not know his whereabouts.
I reported it as fraud to BOA and to the credit reporting bureaus. This battle has been going on with BOA for almost 18 months now. The story is very long, so I will skip all the details of the total run around that I have gotten from BOA employees.
I have always felt that he (theif) probably applied "on line", and was probably inspired to do this by an offer that I received in the mail from BOA. (just guessing) I feel that this is the way it started because, apparently he applied in my name and put his name down for an additional card for the account. He even forged my name on some of the CONVIENCE CHECKS that they so graciously sent out and used at local businesses. I have made several requests to BOA for the original application with signature and that request has been totally ignored. Therefore, I felt that BOA never had an actual signature of the applicant. (Probably an on line application after a firm offer from BOA by mail. Because at that point I had excellent credit.)
I finally got a letter from BOA last week saying that after their investigation they determined IT WAS NOT FRAUD. Their fraud department never called me one time to ask or verify anything. Their letter said that the application was made over the phone. Whoever took the application must have been an idiot! The theif was a male and he was applying using a female's name???
Another part of their story that doesn't make sense is the fact that when he applied he used my maiden name that I have not used since 2000. If they actually confirmed any information before issuing the credit card they would have noticed that the name that they were issuing the card to did NOT match the name on my social card.
So, the end of the story is their letter that states:
1) They refuse to give me a signed application because it was opened over the phone. (That's the first time in 18 months of communicaiton with them that they have revealed that.)
2) They refuse to give me any copies of charge receipts, as I need to go to the vendors to get those. (And there will be a charge for that.) I never got the bills so how do I know what he charged and where he charged it?
3) They refuse to give me the name of the Registered Agent for the State of Missouri. (That's up to me to figure out because you only need that if you plan to sue them.)
4) They refuse to speak to me again and will not accept any calls from me. (It has been turned over to a credit collection agency.)
Bandits of America have ruined my credit. If there is an attorney out there that thinks that I may have any recourse, please contact me. Since I now have bad credit, please don't hold it against me!!!
Please contact this website if you are an attorney that is interested in helping me!
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