J G Shrugged
Austin,#2Consumer Comment
Tue, February 03, 2009
That's B/S, pure and simple. They just don't want to. Unfortunately, because you know the alleged perpetrator, if charges aren't filed, they think you're trying to pull a fast one on them. Like another poster said, go to the FTC website and follow all of their instructions. The bank has to follow the proper procedures, even if the police refuse to file a report. Did they send you a affidavit to fill out and have notarized?
Edgeman
Chico,#3Consumer Comment
Tue, February 03, 2009
Getting a secured credit card?
1vsbillions
plano,#4Author of original report
Tue, February 03, 2009
BECAUSE OF THIS SITUATION MY CREDIT SCORE IS LOW, I DONT HAVE DELINQUIENCIES OR OWE ANY COMPANY. THE ONLY PROBLEM IS THAT BECAUSE BANK OF AMERICA MY CREDIT IS TOO LOW TO DO ANYTHING, I WAS TOLD TO OPEN AT LEAST ONE TRADE LINE BUT NO COMPANY WILL APPROVE ME FOR A CREDIT CARD BECAUSE OF THE BANK OF AMERICA SITUATION. I MAKE GOOD MONEY AND HAVE VERIFIED INCOME, BECAUSE I CAN'T GET A CREDIT CARD BECAUSE OF A FRAUDULENT ACCOUNT, I WILL SUFFER WITH HIGH INTEREST RATES AND WILL PROBABLY NEVER GET A MORTGAGE LOAN. ONE OPTION I HAVE IS TO BUY A CAR WITH 30% DOWN AND SUFFER A HIGH INTEREST RATE IN ORDER TO RAISE MY SCORE, I WOULD RATHER SUFFER A HIGH INTEREST RATE ON A CREDIT CARD BUT CANNOT FIND A BANK TO APPROVE ME BECAUSE OF BANK OF AMERICA. ANY SUGGESTIONS IS APPRECIATED.
1vsbillions
plano,#5Author of original report
Wed, January 28, 2009
I'VE RECIEVED STATEMENTS. Yet they refuse to send me the signed application or the online application with the fraudulent information. The bank has still offered no response. The only suggestions I've gotten was to file a small claim. That would only pay off the balance and not delete the accounts completely off my record. BANK OF AMERICA, BANK OF OPPORTUNITY. STAY AWAY IF THEY CAN TAKE ADVANTAGE OF YOU EVEN FOR FALSE ACCOUNTS THEY WILL.
1vsbillions
plano,#6Author of original report
Tue, December 16, 2008
I HAVE DISPUTED WITH CREDIT BUREAUS AND THEY HAVE DELETED OFF MY RECORD EXCLUDING THE COLLECTION COMPANIES. I DEALT DIRECTLY WITH COLLECTION COMPANIES AND THEY HAVE AGREED TO REMOVE FROM MY RECORD. THE PROBLEM IS THE CREDIT BUREAUS CANNOT GAURANTEE BANK OF AMERICA WONT RE-REPORT IT ON MY RECORD OR SEND TO A DIFFERENT COLLECTION AGENCY TO REPORT IT WHICH MEANS I WILL HAVE TO CHECK MONTH AFTER MONTH ON SOMETHING THAT IS NOT MINE. EVERY AGENCY I'VE ASKED HAS TOLD ME I'VE DONE EVERYTHING AND MORE AND HAVE NO ADVICE AT THIS POINT. I CAN FILE SMALL CLAIMS BUT WOULD NEED DOCUMENTATION TO PROVE EVERYTHING WHICH THE BANK HAS. WINNING THE MONEY TO PAY THEM STILL IS NOT JUSTICE BECAUSE IT WILL BE ON RECORD IN THEIR SYSTEMS THAT I HAD DELINQUENT ACCOUNTS. I WANT MY NAME CLEARED OF NEGATIVE INFORMATION THAT I AM NOT RESPONSIBLE FOR.
Laurie
Haslet,#7Consumer Comment
Mon, December 15, 2008
Go to the Federal Trade Commission Website - they have a site that covers Identity Theft. www.ftc.gov Follow those instructions It even covers when the police will not take a report. Most people do not bother to even look for information on how to help themselves. They come to complaint boards and post - BUT NEVER LOOK to see if anyone else has posted similar problems.
Leisa
Lansing,#8Consumer Suggestion
Mon, December 15, 2008
did you know that you could file disputes with the three major credit bureaus? instead of trying (and getting NOWHERE) with the bank, try disputing with the credit bureau..all you need to do is contact the CB and tell them you need to file a dispute about something negative on you credit report....usually disputes take about 60 days (I think)...maybe this will help
Leisa
Lansing,#9Consumer Suggestion
Mon, December 15, 2008
did you know that you could file disputes with the three major credit bureaus? instead of trying (and getting NOWHERE) with the bank, try disputing with the credit bureau..all you need to do is contact the CB and tell them you need to file a dispute about something negative on you credit report....usually disputes take about 60 days (I think)...maybe this will help
Leisa
Lansing,#10Consumer Suggestion
Mon, December 15, 2008
did you know that you could file disputes with the three major credit bureaus? instead of trying (and getting NOWHERE) with the bank, try disputing with the credit bureau..all you need to do is contact the CB and tell them you need to file a dispute about something negative on you credit report....usually disputes take about 60 days (I think)...maybe this will help
1vsbillions
plano,#11Author of original report
Sun, December 14, 2008
TO DATE I HAVE STILL NOT RECIEVED A COPY OF ANY STATEMENTS, RECORDS, OR APPLICATIONS FROM THE FRAUDULENT ACCOUNTS OPENED. I HAD GONE BACK TO SPEAK WITH THE SAME ASSISTANT MANAGER ON FRIDAY, DECEMBER 12. SHE INFORMED ME SHE DID NOT RECIEVE THE FAX. SHE CALLED LATER AND ASKED TO CONFIRM MY MAILING ADDRESS AND TOLD ME IF I DID NOT RECIEVE IN A FEW WEEKS COME BACK. AFTER SO MANY MONTHS, I DOUBT I'LL RECIEVE ANYTHING. I ALSO DOUBT THE ASSISTANT BANK MANAGER IS AS NAIVE AS SHE IS ACTING. THE BANK DEMANDS PAPERWORK AND DOCUMENTS FROM ME AND I SEND IT IMMEDIATLY. I REQUEST FROM THEM AND STILL 5 MONTHS LATER NOTHING. THE ASSISTANT MANAGER TELLS ME SHE HAS NEVER HAD THIS HAPPEN, NORMALLY IT IS SENT WITHIN 24 HRS. EVERY FRAUD CLAIM THE BRANCH REQUESTS DOCUMENTS FOR HAS ALWAYS BEEN SENT WITHIN 24 HRS OR NEXT BUSINESS DAY DEPENDING ON THE TIME IT WAS REQUESTED. I GUESS IN THIS SITUATION WHEN THE BANK HOLDS ALL PROOF THE ACCOUNTS WERE OPENED FRAUDULENTLY THEY ARE ALOT LESS WILLING TO SUPPLY THE DOCUMENTS.
1vsbillions
plano,#12Author of original report
Fri, December 12, 2008
DID NOT FILE COMPLAINT WITH CHAMBER OF COMMERCE, FILED WITH Office of the Comptroller of the Currency