Direct merchants bank credit card opened account with with out my permission.

Direct Merchants Bank is a large credit company. One that routinely buys and sells credit accounts to and from itself from other companies. Frequently there have been buyouts from other companies where accounts were still open, although having a zero balance. These accounts were converted to Direct Merchant Bank MasterCard accounts and cards were sent to consumers.

Now, most consumers, "knowing" they did not apply for these accounts, threw away the conversion cards and explanations without reading the information sent. Subsequently the converted cards contained annual fees which cause a minimum payment due, and further cause the account a past due status when statements are sent and thrown away as well.

One thing more, the information given on the account that was bought contains the consumers social security number and date of birth at the minimum. This is how the accounts show on credit bureau reports, because this information was supplied on a valid account sold to another company Direct Merchants Bank reports automatically to the bureaus the credit account that was converted.

Direct Merchants Bank bought at the minimum Ten different credit accounts from other companies last year. GE, PNC, Firstar, Elan, U.S.Bank, and Provident are some examples.

As to the account, call customer service, go through the security verification, ask where the acct was bought from and request acct closed with all fees waived. If the person you reach cannot waive the fees they will at least give you information to clear the account.

I hope this helps.