What is the name of your state? TN
My husband passed away in 2003. I was applying for a mortgage recently and discovered I had a Capital One card on my credit bureau reports I had never seen before. The card was taken out by my husband the year before he died and now has approximately 6K on it with fees and interest. I never signed for this account and my name does not appear on it.
I first called Capital One and disputed ownership of the account. They acknowledged my name was not on it and I was not responsible for it. However, I have now received a letter from a collection agency that deals exclusively with collecting from estates and they are demanding payment. My husband had no estate. We barely had enough for his funeral.
I also sent dispute letters to the credit bureaus requesting the account be removed from my reports. I indicated it was my deceased spouse's account and I did not co-sign.
Should I be worried? Thanks.
My husband passed away in 2003. I was applying for a mortgage recently and discovered I had a Capital One card on my credit bureau reports I had never seen before. The card was taken out by my husband the year before he died and now has approximately 6K on it with fees and interest. I never signed for this account and my name does not appear on it.
I first called Capital One and disputed ownership of the account. They acknowledged my name was not on it and I was not responsible for it. However, I have now received a letter from a collection agency that deals exclusively with collecting from estates and they are demanding payment. My husband had no estate. We barely had enough for his funeral.
I also sent dispute letters to the credit bureaus requesting the account be removed from my reports. I indicated it was my deceased spouse's account and I did not co-sign.
Should I be worried? Thanks.