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FIA card services opened a credit card account for me through Bank of America. The bank sent me a letter informing me that they were unable to verify my SS# and I was never able to access the account online. B of A said it was FIA, and FIA said it was B of A, no one wanted to take responsibility for the error. The account has gone to collections. I disputed the account with the collector and haven't heard anything since, however, the account is showing up on my credit report as a bad debt.