Consumer complaint received 2016-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
This letter is being written in regards to an issue that Bank of America ( BOA ) is causing due to a credit card issue that they would not fix. 
The account was originally opened as a credit card with BOA back in XXXX. 
The credit card, ending in XXXX, was opened as a single applicant in XXXX XXXX, under the name of XXXX XXXX. 
It has remained that was since that time indefinitely. 
Ever since that time, all bills and statements that were sent reflected only the name of XXXX XXXX both on the billing statements and on the online statements. 
I can easily prove this because I have saved each and every single statement. 
XXXX XXXX, the billings statements changed and reflected both the names of XXXX and XXXX on the bill. 
I contacted BOA in regards to that and their answer was that it was always that way, which was a lie. I called back several times over the next 9 months constantly asking why all of a sudden did both names show up on the billing statements. No straight answer was ever given. 
XXXX XXXX was the only applicant to open the account and XXXX XXXX was only an authorized user, nothing more. 
However, now I started getting differing answers, nothing was consistent from one customer rep to the next. 
At first I did not make a big deal. I figured eventually it would be taken care of. 
However, every time I would call, I would get such different answers from all the reps, I made a more concerted effort. 
I now was demanding that they both remove XXXX from the account as well as provide proof as to when XXXX was added as a coapplicant. 
Again, every time I would call over the next 2-3 months to get a simple answer to the question of when XXXX was added as a co-applicant, I received a different answer every single time. 
I was initially told she was added in XXXX XXXX, then I was told she was added in XXXX XXXX, then it was sometime in XXXX, then it was sometime in XXXX and then sometime in XXXX. It was always a different answer. 
I always demanded for them to send any type of proof, but they have none. They have never had any proof because it never existed. 
They stated they had to do their research, but it was nearly a full year and they still had no solid answer, because it does not exist. 
I went to the local branch for help. The branch manager was extremely kind and helpful and did her best to help me. However, we still did not get a legitimate answer and of course, still no proof. 
As of XXXX XXXX, over a full year later, BOA now states that elsi was added as a co-applicant just a few months after the account was opened. That sounds very convenient for them because now they do n't have to produce any proof because that is almost 15 years ago. 
I have exhausted all my opportunities directly with BOA before I wrote to the Credit Agencies, who were unable to come to a resolution as well. BOA was not willing to cooperate at all. 
XXXX XXXX should not and is not responsible for the BOA credit card account ending in XXXX. She should also be removed from the account since she was never legally added on as a co-applicant properly and there is no proof of it. 
The BOA card presently has a large amount that is owed on it. XXXX XXXX is the sole person that is responsible for that account and I accept that. 
We are humbly requesting that after you read the letter, you take into consideration the circumstances and the evidence presented. 
We ask that you help remove any negative reflections against XXXX that may be levied against her because of BOA. 
We ask that you make sure XXXX is not hurt financially because of the banks mistake, a mistake I tried to correct for over a year with no success. 
We ask that XXXX 's credit remain intact and clean because it has always been that way and the bank had no right to illegally add her as a co-applicant without permission. 
Please understand, XXXX does not deserve to have her credit hurt because of their mistake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation