Complaint / Review
Bank Of America
Refused to furnish proof of contested co-applicant status of my wife

I am 74 years of age and my health failed. I am handicapped and unable to work. I owned 8 bank credit carda and notified the banks that I could no longer make any payments on their cards. I had never been late or missed a payment. 6 of the banks were cooperative the 7th where i had 2 cards was not. The first of the cards had a big balance and my wife who still works said she would take it over since she had used it the most. We filed the necessary papers and she makes the payments. The 2nd card which carried a much smaller balance is the problem. The bank claims she is a co-applicant on the card and I advised them she is and was not. I requested physical proof that she signed on as a co-applicant and they said they would send it. We have received nothing but the run around and this is now in its 4th month. They finally admitted that the applicationwas done on the phone and that because they have her SS # and D.O.B. That makes her a co-applicant.
They also send statements with the correct account number on it and their collection letters list a different account number. We questioned it and the reply was "we changed the number for security purposes and sent you a letter and new cards". We said we never received either and contacted their archive department and have received 4 letters that this changed number does not and has never existed. Now they say that they inadvertently did not mail the letter or the card, but the numbers are the same.
My wife offered to settle with them on at least 8 times and asked only for proof that she was a co-applicant. They tapped danced the subject and refused to piut a supervisor on the phone. They have cancelled the card in question and her other card which was in good standing and they have also advised the credit bureaus that the carsds are cancelled for non payment.
The attorney general of florida can do nothing because this bank is NA which is not under any state control. I am sure they have disregarded some truth in lending law. Do they have to furnish proof that she was a co-appllicant?
I am sure that she was a authorized user on the account which means she is not responsible for the debt.