My (ex) domestic partner and I are having issues over a credit card account. Two years ago when I added him onto my health insurance with my employer we had to show that we were in a committed relationship and financially dependent on each other. We opened a joint checking account, and I added him to (3) of my credit cards as an authorized user and he did the same. We opened a Citi credit card account in his name and added me as an authorized signer. Upon doing so we transferred $2000 from the Citi account to his personal Chase account to pay off the balance. Since I was in a stronger financial position than he was I agreed to pay off the Citicard debt, and outside the $2000 that we transferred to his personal credit card, I mainly used the card so I paid the bill every month. Now since we have broken up I agreed to hold up my end of the bargain and pay off the card, but he doesn't want it to show on his credit report so he contacted Citibank and told them the card was opened in his name fraudulently. I contacted the credit card company and explained the situation to them but my concern is his alleged charge against me. I am in total shock that he would do such a thing to me. I am wondering what my legal position would be in this situation.

If you didn't open a fraudulent account in his name I see no problem here. If you are approached you can prove through signatures that he opened the account, not you. Or is there some other problem?

If it was not fraudulent no worry, he would have been aware of account and perhaps even signed for the account.

The issue here is the same as any married couple when you get a divorce except no divorce court to rule.

You say, "We opened a Citi credit card account in his name and added me as an authorized signer." If this is the account he is claiming as fraud, then I wouldn't worry too much about your legal position. He should be worried about his if he's making an allegation of fraud. If the account was opened in person at a branch office or you filled out a paper application, then there would be a signature on file. And if the account were opened on-line, the user agreement page would have popped up where you are both agreeing to its terms. And when the cards were sent to you, all the terms and agreements would have been included. Citibank is not stupid. Just because he claims fraud doesn't mean they're going to buy it. If this account was opened two years ago, then they would have course question why he didn't say anything sooner. Receipts have a way of establishing buyer patterns. So even if you mainly used the card, it would take only take one transaction in his name to thwart his allegation. Also, if you are paying the card off, I can't understand either why he is doing this. Good luck to you!

I am questioning whether the fraud is the general picture of opening credit accounts, moving money back and forth to show a financially depend relationship in order to obtain health insurance - ?