During the time my daughter was in college, I opened a credit card in my name with my daughter as a card member. After my daughter finished college several years ago ( she is now XXXX years old ) I allowed my daughter to continue to use the card with the understanding that she was responsible for the charges incurred on it. However, she accumulated a debt balance of more than {$10000.00}. At that point, my husband and I decided to pay the card off and cancel the card. I called the credit card company ( AT & T Universal Card ) and requested that they cancel the card. I also decided to write them a letter requesting that they cancel the card. I did not receive any further communication from them. Last year, 2015, I learned that my daughter was still using the card and I was the primary card holder. They were calling me about a late payment and I told them that I had requested that the card be closed years ago. I further told them not to call me anymore regarding the account. They tried to get me to charge fraud charges against my daughter. I told them that in my opinion, I should be filing them against them since they ignored my request to cancel the account after I paid them over {$10000.00}. They are not going to get at my assets by using my daughter who was vulnerable and still is. The currently has a balance totaling XXXX. My daughter is unemployed at the present time, but I did not disclose this to them. I got the information from my daughter today and contacted them about forgiving some of the debt and they gave me the run around on the phone. I have excellent credit and so far that account has not affected my ability to obtain credit. I have no intention of filing fraud charges against my daughter. They committed fraud as well. They need to be held accountable. I do n't know my rights under this circumstance but I am not responsible for the charges to this card. 
