can you do. i had no knowledge of this and now they are taking me to collections.
2006-06-16 10:07:57 · 10 answers · asked by crokdundee 44 1 in Business & Finance ➔ Credit
can i do? the person that got the card did use it but the card was in thier name but under my credit. as i had not authorized this person to have a card under my name the bank should not have sent them a card in the first place so i thought. srry for confusion on last post hope this helps on answers and thank you all for your response to my post.
2006-06-16 10:21:51 · update #1
you should write the collection agency a letter saying you didn't authorize the credit card and that you aren't going to pay for it. they may try to take you to court for it, but if its in your name and doesn't have your signature on anything they cannot make you pay for it.
2006-06-16 10:11:51 · answer #1 · answered by tigkitty3 2 · 0⤊ 0⤋
It is extremely unusual and poor business practices for a bank or any other credit issuing company to send out credit cards without first (a) checking credit (b) determining the ability to repay amounts charged and (c) obtaining a signature on a repayment agreement. I suspect someone isn't being honest with you.
If the credit card wasn't authorized by you, is in your name, and someone used the card, that person accepted the terms and conditions of the card on your behalf. You need to gather as much written documentation as possible and present it to the bank proving you did not request or use the card and that the charges were incurred by someone else. If the bank still continues collection efforts, and you absolutely did not authorize the card and did not use it, contact an attorney immediately.
You may have be able to press criminal charges against the person who used it and may have a civil action against that person to recover damages.
2006-06-16 17:18:55 · answer #2 · answered by Sandy S 3 · 0⤊ 0⤋
So they sent a card to somebody under you tuition, didn't them?
In this case, see a lawyer is a good step.
Otherwise it's just a commercial move: publicity. The addressee could refuse the card, I guess. If he/her accepted, it won't be a bank liability I fear.
2006-06-16 17:19:01 · answer #3 · answered by RENATO S 3 · 0⤊ 0⤋
cancel the card, they cant take you to collections if you didn't use the card. they should also send you a letter regarding your bank being bought out to know there are changes.
2006-06-16 17:12:02 · answer #4 · answered by demi 2 · 0⤊ 0⤋
talk to that bank and see what the deal is your family member might have forged for signature or something cause they don't activate the card till you call the number and verify it is you. And if it was fraude you are not liable
2006-06-16 17:11:05 · answer #5 · answered by dido45dido 3 · 0⤊ 0⤋
Cancel the Card. That's your best bet.
2006-06-16 17:10:00 · answer #6 · answered by Anonymous · 0⤊ 0⤋
if you did not use the card how are you in collection? you would have had to active the card to use it - how are YOU in collections for someone else's card?
2006-06-16 17:11:17 · answer #7 · answered by Shopaholic Chick 6 · 0⤊ 0⤋
I did not fill out no paper work, I dont who you are, And cancaling this account out.
2006-06-16 17:14:00 · answer #8 · answered by Anonymous · 0⤊ 0⤋
get a lawyer.
2006-06-16 17:13:04 · answer #9 · answered by Tony P 2 · 0⤊ 0⤋
I would start a lawsuit.......
2006-06-16 17:10:08 · answer #10 · answered by MC 7 · 0⤊ 0⤋