In Bank of America opened a credit card account linked to the debtor's checking account without permission of the debtor or knowledge of the debtor. For over a year Bank of America racked up bank fees without notifying the debtor of the existence of the credit card account. Bank of America posted all sorts of bank fees (late fees, maintenance fees, etc.) to this credit card account for over a year without ever notifying the debtor by mail or phone that the credit card account existed. The debtor received all types of other mailings from Bank of America but never anything regarding a credit card. Debtor was completely unaware of the credit card account, never got a credit card, never activated or used a credit card and the only charges on the account were generated by Bank of America. Account went to Collection in 2009 and debtor received a letter out of the blue that his credit card account with Bank of America was delinquent over $400.00. Debtor had to pay to settle and his credit score is now seriously negatively impacted. Bank of America made it impossible to deal with it via phone and the local branch was useless also. Debtor has since closed his accounts with Bank of America. He was clearly unfairly and deceptively used by Bank of America for its own financial gain. This is larceny and Bank of America should be held accountable as would any other thief robbing people of their money.
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