CityBank / False Credit Reporting
In 2008, my 86 year old mother accepted a CityBank card through ATT. She has Altzheimers and was placed in a home a few months later. Only problem is I had no knowledge that she had put my name down as a card user. I live in another state, had never made application for such a card, never co-signed, never used the card and had no knowledge of it. She fell 60 days behind on her payment in 2008.
Imagine my surprise to discover three days ago when obtaining a credit report that there was a negative report showing me as overdue, and lowering my credit score. I had enjoyed the highest ratings prior to this.
Since I was blindsided with this, I called CityBank and went through an absolute night mare of being denied any information as to who the card holder was, or any information. Finally, someone in the fraud department gave me a hint and enough information for me to figure out the story. But they refused to take it off MY CREDIT REPORT. Then they said if I would go to a local CityBank and present the report along with my ID, the Bank would take it off. Well, I discovered there is NO CityBank in Memphis. I called back and got the same run around.
I then notified the Credit Reporting Company that I was disputing this, but it takes them 30 days to make a decision.
What an idiot company and how in the hell have they survived doing business like this.
Imagine me applying for a card, and putting your name down, then defaulting (and you have no knowledge of this) and then months later your credit report is hit.
Avoid any dealings with this bunch. Ask where your credit card is coming from. If it is CityBank--tear it up.