Bank of America Complaint - Bank of America did not take the steps necessary to protect my privacy and my Ex's credit
PORT ANGELES, WASHINGTON -- 2 and a half years ago my ex husband and I became legally separated, we both went into Bank of America in Port Angeles WA, their 8th street branch and sat down with a banking specialist to pay off our joint Visa card and close our joint checking account. At that time we did pay off our Visa and Chad and I signed a paper to remove him from the Visa card and any responsibility that he may have towards any future debt. The woman had sad that I could keep my account open and in my name as well as the checking and savings account because it was an original account I had from when I was younger, opened in 1977 with a Savings account in my name. I originally asked to keep the accounts open in my name only (With my ex husband sitting right beside me) for convenience sake I had payments on my Visa that came monthly like magazines, make up etc.. The banker said it would be fine and we both asked several times that he was no longer on the card or held any responsibility. The Banker assured us each time that he was no longer on the account nor responsible and could not access my Visa statements (that was one of my concerns). All was well... until I had some medical issues that were not covered by my insurance and I found myself struggling financially, I am a single Mom with three kids, two are my ex's, ages 13 & 15. My youngest is 15 months. I became behind in my credit card payments and tried to make a plan for repayment with the credit card company, but they wanted to much money a month and I couldn't do it, that is when they went after my ex husband So then not only was I dealing with the bank but a very angry ex husband who's credit score was being tampered with and he has now sent me a letter from a Collection lawyer with the intent to sue me...for the amount I owe the Visa co. (it has now been bought by a junk debt collection agency)....I enrolled myself into a Credit Solutions program in Jan and have been working with them to repay not only this debt but others as well including medical. To be hit with this new problem, I am just drowning and so embarrasssed, I always had exceptional credit and am such a private person. My ex was allowed to get copies of my monthly statements over the last couple of years and has shared them with "friends" that he got in the divorce, hahaha! It is such a mess, this is a private problem of mine one I was trying to take care of myself without worrying those I love, my Dad has terminal cancer and a tumor near his heart, word of this to him and it would devastated him, he tries so hard to be there fore us all.
I have spoken with a lawyer well a few and none of them in my small town can I find to help me, the one and only one that keeps getting refereed to me is my ex-husbands lawyer. But they all have agreed that this issue is one that should be taken up with Bank of America not me and that I now have a case with them as well.
We both have tried to talk with Bank of America (My ex cannot locate the copy of the paper work he signed) and have gotten no where, when I asked for paper work from them like a copy of the original application I was told it would be sent to me, but all I received was a paper saying the item I requested could not be located. And when I asked why he was not removed from the Visa account they said because he was not approved to be removed. That is nothing that was told to us at the time or I would have never asked to keep the account and he would never have agreed to it.
I do not have the finances to go after Bank of America myself or to be sued by my ex who has taken the law into his own hands and ceased paying me maintinence & is threatening to put a lien on my home and make me pay his court costs...the letter states that I Wrongfully used a credit card in his name, I never knew that he was not removed. I did not wrongfully do anything. I had no ill intent. I had no reason to believe Bank of America did not do what they said they would. The Banking specialist assured me that he was off the card as of that day, he said that I could go out and use it that moment and he was no longer responsible.
I hope you can help me or point me in a direction of help. Thank you so much for your time reading this.
I can be emailed at email@example.com
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