Has anyone received an unsolicited credit card from Bank of America?
I am trying to locate other individuals who, like me, have received
unsolicited credit cards from Bank of America; that is, people who have
actually had accounts opened in their name without their authorization.
I recently received a solicitation to apply for a credit card and,
although I ignored the solicitation, I later received a credit card in
the mail. I have since confirmed that a Visa account has been opened
without my authorization and that the account already appears on my
credit report with the 3 credit reporting agencies.
To be clear, I gave no authorization (written or verbal) to the bank to
open this account. It is not a renewal card -- I have no credit card
accounts with this bank.
It appears that this is a violation of the Truth-In-Lending Act -- "No
credit card shall be issued except in response to a request or
application therefor. This prohibition does not apply to the issuance
of a credit card in renewal of, or in substitution for, an accepted
credit card."
Please reply if you have been issued a credit card from Bank of America
without your authorization. Thanks in advance.
