Voting Question: Credit Card Never issued in collections.?
Back almost 5 years ago I opened a bank account with Bank Of America. I was asked if I wanted a credit card. I said no not really but they ran my credit. Said I was qualified for $1000. OK For emergences is fine. BOA Never sent me a card, Never disclosed TERMS or APR. They tied my card (without permission) to my checking for OVERDRAFT. Somehow the card got charged with overdrafts from checking. BOA never sent a Card, Statements, Bills, or anything. Nothing has shown up in my Online account (When I was with them) other then OVERDRAFT PROTECTION ($100 per instance) in checking. Statue of limitations is close (10/08) is there any way I can get this off my credit report. Again I did not want this card, Was never issued a card and BOA took it upon themselves to tie it with my checking account.