In 2004 I was diagnosed with 2 separate but related fatal diseases. Fortunately I did not die and after 45 days in the hospital, spent the next 4 months recovering. During this period I received a demand letter from BofA demanding payment for a credit card account from 1999. I did not recall having a account with them, but since I was bed bound on oxygen at the time I told my wife to go ahead and pay them. Soon after that I became aware of a Identity theft problem amounting to about $20,000 from 1999 to 2000. I made a police report and included the BofA account. About a year later I received a letter from BofA acknowledging that indeed it was not my account and they would send in a letter that would clear it off my credit record. I sent an email to the BofA fraud dept. Requesting that they return the money I sent them in error. They emailed me back saying that they would not return my money and that if I continued to pursue getting it back that they would send it back to the credit reporting agencies as my account. How lovely, they would knowingly send in false information to ruin my credit if I didn't allow them to steal my money. Now there is honesty and integrity for you. I filed a complaint with the federal regulators but never received any reply. Honestly since the amount is so small I will never have any chance of recovering anything unless the bank has a sudden attack of morality.
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