long story short is, my mother racked up 10,000$ on my credit cards which i barely used (she was an authorized user), all while i was a full-time uni student and had barely any hours at work, and she would promise to pay back everything but that never came and will never (also her phone is under my name, I paid her phone and she would pay the monthly payments but of course not, so I'm stuck with that for a year) but thats a story for another time...
I called the bank and told them to remove my mother as an authorized user and at the same time asked if it was possible to remove the cash back/rewards on the cards and lower the interest rate 20,99 to 10,99, I worked hard and paid off all my CC debt and with investment money I had kept long term but now back to scratch... months after when I was comfortable with how to handle a credit card, I called the bank and asked them to add back the rewards which brought the interest back up. Therefore, they would send new cards at my home and would just need to throw out the old ones. Once the new ones arrived, I noticed they sent extra ones under my mothers name, didn't bother and just left them in the envelop in my room.
Now to backtrack, I haven't seen my mother since she left which is roughly a year now, but I know she keeps tabs with my sisters and probably when she came over to see my sisters, that's when she took the credit card under her name without me noticing... As of now she racked up 1,600$ in 6 days... I don't look my account everyday and didn't have any reasons too... but noticed when my statement came in... I am rambling but what can I do, do I have to again bare the consequences?
Technically, the card gave her authorization but on the other I had canceled her card and removed her as an authorized user months ago with the bank... can the bank refund me what she racked up? this is driving nuts honestly, worked so hard to be debt free and now feels like it's for nothing... worked my score from 600 to 728 as of today...
Please no judgement, only advice on what can be done... living in Canada, bank with BMO
Going to be asking at legaladvice as well
Submitted May 06, 2019 at 04:46AM by throwawaygoat101 http://bit.ly/2LpRyLi
