2004 - my husband became a "valued cardmember", the sole owner of a credit card account with Orchard Bank, a division of HSBC Card Services, Baltimore MD.
October 2009 - Keith requests an additional card to be sent in my name (his wife) because he is in the military and that was his only credit account and wanted me to have access to the account if he needed to be out of town. There was no signing of any documents, no permission by me to be added as a co-owner of this account. We did not question this status because all bills have continued to be sent to my husband and him alone and this was in no way reported on my credit score. Simply an additional card holder. All statements continued to be sent in my husbands name only, and HIS credit report was the only one that reported this account. HIS social security number was the only one associated with his account, his mother;s maiden name was the security code, his date of birth, etc...
March 2011- My husband declares bankruptcy on all credit cards, including Orchard Bank.
April 2011- I start receiving phone calls looking for payment of "her" account with Orchard Bank with the same account number. Somehow once Orchard Bank received notification of my husbands bankruptcy, they fraudulently applied MY name and social security number to the account, still maintaining HIS mother's maiden name, his date of birth, etc. I was now the "valued customer since 2004", and all bills began coming for me. Upon reviewing my credit report, it was found that HSBC Card Services (Orchard Bank) reported this debt with a history since 2004 to MY credit report. Phone calls were made to all 3 credit bureaus, to the credit card company, to my husbands Bankruptcy Attorney, and it was as if my husband NEVER existed as an owner of this account. There has been no effort to help me remove this debt from my credit reports.....so, in an effort to not fall delinquent and damaged the good credit I has strived for, we decided to continue to make payments on his debt that was now in my name so as to remain in good standing.
July 2011- I receive a notification that the Orchard Bank credit account has been closed due to an unspecific reason and all effors made by me to re-open the accoutn has been for naught. There is no specific reason the account was closed, yet I received a notification that it cannot be reopened.
So either remove my nam and social and stick the debt back to my husband and his bankruptcy and YOU WILL NOT GET ANY MONEY!!!
Reinstate this account so I can continue to maintain good credit and pay you your money. Seems like a simple choice to me