Authorized User on credit card

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Tiffany84
 
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Authorized User on credit card

Postby Tiffany84 » Wed Apr 28, 2010 3:57 pm

I was an authorized user on my ex's credit card which has now been sent to collections. I've called the credit card company who said i am not financially responsible as an authorized user but now have been getting calls and being threatened to be served to go to court! What do I do? :confused:


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Mogul of Pineapples
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Postby Mogul of Pineapples » Sun May 02, 2010 10:13 pm

Here's a similar thread you may want to check out:

http://creditcardforum.com/credit-card-fraud/1198-spouse-credit-card-fraud-ex-girlfriend-woes.html

If you truly were an authorized user and the credit card didn't have your Social Security on file, I would think you wouldn't be liable. If someone is added onto the account as a co-signer then you would be liable.

As far as collections, they are notorious for lying and making illegal threats. Don't let them scare you because it wouldn't surprise me if that's what they're doing. I would get a letter in writing from the credit card company confirming you were only an authorized user and not responsible for the debt. That way you will have it in paper for both your record and something you can fax to the bill collectors to get them to leave you alone.
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DoingHomework
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Postby DoingHomework » Mon May 03, 2010 11:50 am

Mogul of Pineapples wrote:As far as collections, they are notorious for lying and making illegal threats. Don't let them scare you because it wouldn't surprise me if that's what they're doing. I would get a letter in writing from the credit card company confirming you were only an authorized user and not responsible for the debt. That way you will have it in paper for both your record and something you can fax to the bill collectors to get them to leave you alone.


All you have to do is say "Put me on your do not call list" repeatedly when you get a call. Say nothing else. They must identify their company. Write an email and a snail letter telling them not to contact you again for any reason. They might tell you they need more information. They are lying. If you give your phone number and demand they not call they must not call. They need nothing else in spite of what they say, not even your name.

I've gotten calls for people who I did not even know. They said they can't put my number on the do not call list unless I tell them the name they ask for. I replied - I'm not required to give you that. You will be charged $1000 per call in the future. I copy the FTC complaints office. It seems to work.

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alsteig
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Postby alsteig » Tue Jun 01, 2010 1:31 am

Tell them to serve you. If they are really obnoxious send a cease and desist via certified mail cheap maybe 5 bucks. Again if they call as previously mentioned tell them not to call you again. They cannot do anything if you are just an authorized user.



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