i got a boa credit card in 8/2007 it got charged off then i received a claim i owed fia... (who are they)?? Isent them 4 requests for debt validation they sent no documentation, they sent me a summons, i filed that, then a discovery, i answered that now a motion for summary judgment... I was never notified boa is somehow together with fia... shouldnt i have been notified, my credit report lists only boa, my card only said boa... seems like this is misrepresentation... Is this improper service?