Bank of America shouldn't mess with its customers credit report
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.
Bank of America shouldn't mess with its customers credit report
In article <1160248775.882878.137620@b28g2000cwb.googlegroups. com>, xcwork@gmail.com says...
Quote:
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>
Bank of America shouldn't mess with its customers credit report
I have it on good authority that on 7 Oct 2006 12:19:35 -0700, xcwork@gmail.com wrote:
Quote:
I logged on to my online Bank of America Account today and discovered Ihad a Power Rewards Visa Acct today. I didn't apply for one and didn'task for one. It showed a credit limit of $7500. This tells me my creditreport has a new entry in it showing I applied for such credit. Thisupsets me! BofA should mess around with its customer credit report. Itshouldn'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.
Bank of America shouldn't mess with its customers credit report
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.
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
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
I can't believe you'd post here before calling BofA customer
service to see what's up.
BTW you didn't have an MBNA credit card account, did you? They
got bought out by BofA and they might be merging the systems.
Bank of America shouldn't mess with its customers credit report
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?
Bank of America shouldn't mess with its customers credit report
In article <7fuhi2p22m1olv7sd1153s5ec626erktnb@4ax.com>,
kjw <kjw@kjw.com> wrote:
Quote:
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?
What damage was done? Those inquiries should not show up on the reports
that potential creditors see. I agree though that these kinds of
promotions ought to stop for those who do not want them. There are ways
to request that your credit record never be used for solicitations, but
they seem ineffective in my experience.
Bank of America shouldn't mess with its customers credit report
On Mon, 09 Oct 2006 08:24:56 -0400, Shawn Hirn <srhi@comcast.net>
wrote:
Quote:
In article <7fuhi2p22m1olv7sd1153s5ec626erktnb@4ax.com>, kjw <kjw@kjw.com> wrote:
Quote:
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?
What damage was done? Those inquiries should not show up on the reportsthat potential creditors see. I agree though that these kinds ofpromotions ought to stop for those who do not want them. There are waysto request that your credit record never be used for solicitations, butthey seem ineffective in my experience.
Maybe damage is a strong word, but the bank ran our credit, which
drops the FICO score by a few points.
And why wouldn't the inquiry show up? This wasn't a simple
pre-authorization. This was the same type of inquiy that shows up any
time credit is requested (even though we didn't know what the teller
was up to).
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Bank of America shouldn't mess with its customers credit report
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