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Subject Author Date
Bank of America shouldn't mess with its customers credit report xcwork 10-07-2006
Posted by xcwork on October 7, 2006, 3:19 pm
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 I logged on to my online Bank of America Account today and discovered I
had a Power Rewards Visa Acct today. I didn't apply for one and didn't
ask for one. It showed a credit limit of $7500. This tells me my credit
report has a new entry in it showing I applied for such credit. This
upsets me! BofA should mess around with its customer credit report. It
shouldn't create unwanted accounts for its customers.

xcwork@gmail.com


Posted by Joshua Putnam on October 7, 2006, 5:43 pm
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 xcwork@gmail.com says...
> I logged on to my online Bank of America Account today and discovered I
> had a Power Rewards Visa Acct today. I didn't apply for one and didn't
> ask for one. It showed a credit limit of $7500. This tells me my credit
> report has a new entry in it showing I applied for such credit. This
> upsets me! BofA should mess around with its customer credit report. It
> shouldn't create unwanted accounts for its customers.

Before you assume BofA gave you a credit card you didn't ask for, make
sure they didn't get fooled into issuing it to someone *pretending* to
be you who did apply for it. Identity theft is a real and growing
problem.


--
josh@phred.org is Joshua Putnam
<http://www.phred.org/~josh/>
Braze your own bicycle frames. See
<http://www.phred.org/~josh/build/build.html>

Posted by Kent Wills on October 7, 2006, 6:20 pm
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I have it on good authority that on 7 Oct 2006 12:19:35 -0700,
xcwork@gmail.com wrote:

>I logged on to my online Bank of America Account today and discovered I
>had a Power Rewards Visa Acct today. I didn't apply for one and didn't
>ask for one. It showed a credit limit of $7500. This tells me my credit
>report has a new entry in it showing I applied for such credit. This
>upsets me! BofA should mess around with its customer credit report. It
>shouldn't create unwanted accounts for its customers.
>

        Contact BoA to make sure the card was issued for you, and not
for someone pretending to be you. It's possible someone stole your
identity and got the card.
        If it's not a case of identity theft, then you have grounds to
complain.

--
Kent
Bald Guys never have a bad hair day.

Posted by louise on October 8, 2006, 2:01 am
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Definitely check for identity theft. I had i happen to me
exactly this way. But I was lucky in that one of the credit
cards applied for was noticed as suspicious and I was
contacted directly. Within the next two or three days I had
to cancel and halt about 20 different credit and credit card
applications.

MOVE FAST on this.

Louise

xcwork@gmail.com wrote:
> I logged on to my online Bank of America Account today and discovered I
> had a Power Rewards Visa Acct today. I didn't apply for one and didn't
> ask for one. It showed a credit limit of $7500. This tells me my credit
> report has a new entry in it showing I applied for such credit. This
> upsets me! BofA should mess around with its customer credit report. It
> shouldn't create unwanted accounts for its customers.
>
> xcwork@gmail.com
>

Posted by kjw on October 8, 2006, 9:22 am
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I had this exact thing happen a few months ago. Same bank, same card,
everything. I talked to customer service and was told that BofA is
running a contest for the tellers on opening up these accounts (at
least they were about 3 months ago).

My wife, who was the one that "gave" permission, said that she was
mearly asked if she would like some info sent about the card. Less
than a week later, new credit card.

We immediately called to complain and to cancel the card, but the
damage was done as far as the inquiry. They did add a note (or said
they did) to the account to note why it was closed.

Did the original poster have any similar interactions with a teller?

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