Well, they are still taking this extremely seriously and want to send me an affidavit that I did not consent to opening the account. Apparently they still consider what my father did a crime of fraud. I told them that he made a mistake, but did not have criminal intent. I was told that any fraud is criminal and that my name was used without permission. Still worried. I was told that possibly I can open a secured account. I had offered to pay the $625 written off (and get it back from dear old dad) but he said that wouldn't change anything. If I hadn't already started fighting this, I'd give up. I can't wait for my new Citi card And now it seems even if this works out with Cap1, my father's clean criminal record is in jeopardy, and i can't even get the KMart or Classic card...but a secured one? Is it even worth it? I'd hate to have wasted the guy's time...but..... Steph
Steph.....you're killing me. They are NOT going to do anything to your dad. Same thing happened to me years ago. Long story short I got a Mervyn's card when I was 15 and my mom took the card and abused it. I didn't find out about it until I was 18 and purchasing my first card. They stated that I had a Mervyn's chargeoff on my report. I called Mervyn's and they sent me copies of charge slips. They DID NOT have my signature on them so I had to sign an affidavit of forgery. On the back it asked for an explanation and I told them straight up that my mother was the one. Then I had to sign my name like 5 times, get the document notarized and that was it. They removed it. I still have a hard time understanding that they are making a big deal out of this when you were only an authorized user. Everyone on this board knows that AU's are NOT responsible for NOTHING! Now if he added you as a joint applicant, that's a whole different ball game and I could see why they would prosecute. Have they tried to contact your dad at all yet?
