I really apologize if this is not the place for this story but I figured I could get the advice I needed from this sub. TL;DR at the bottom.
When I was 17, I am now 21, my mom added me as an authorized user to a few of her credit cards to help build my credit. Ever since she was keeping up with the payments and it was steadily helping my credit.
In October of last year her and my dad started having issues and she started online dating. She got involved with someone with an obscure story and unbelievable coincidences. It wasn’t long before he started offering to pay off her debts for her. (Debt I was not associated with) Since, she has given all of her credit card info to him, the last 4 of her social, and more I presume.
The debt that was “paid off” was bouncing and he gave her all kinds of excuses as to why. I tried very hard to explain the kind of scam this is, but she will not listen. She truly believes she is in love. It wasn’t long before he started purchasing things on her cards, especially ones that I was an authorized user of. It is affecting my utilization and I honestly want nothing to do with any of it anymore.
Fast forward to today, I called Citi. One of the cards is the Citi simplicity. I asked the agent to remove me as an authorized user and he told me that he can not make any changes unless my mom authorizes it. I added my mom to the call and she refused to remove me as an authorized user.
Am I stuck on a card that will severely impact my credit when it defaults like her other accounts? I am so incredibly stuck in this situation any advice would be appreciated.
TL;DR: My mom is in a romance scam and gave her credit cards to him. He spent lots of money on a card I am authorized user on. My mom won’t pay it because “he’s paying it”. I want to remove myself from the card but Citi will not allow me to. Help.
Submitted May 14, 2020 at 08:07PM by PacificLite https://ift.tt/3fSER6S
