I know it's hard to think of, but it might possibly be someone working for MBNA/BOA that might have sold your information.

I worked for two of the largest banks in the southeast/country (that I will leave nameless) and have seen tons of fraud, firsthand.

Before leaving the last bank I worked for, one of the tellers I managed was selling customer information by the piles. All top tier customers. Social Security numbers, addresses, bank account numbers, phone numbers, and anything else you would need to steal someone's identity. Within the first week of this teller no longer being employed there, over $15,000.00 of fraudelant activity was found and the money was gone.

While some people cover their tracks, shred important documents, and keep their info tightly secured, you'll always be vulnerable to this type of stuff.

Check your credit often. You're entitled to free credit reports each and every year; use them! People don't realize how costly it can be to just get your identity back.

Bank of America has one of the better fraud prevention teams I've seen along with Wachovia. They're usually good about getting your money back to you as soon as possible.

I'd report it to Experian, Equifax, and TransUnion that someone is trying to steal your identity and to put a flag on your social security number. The only downside to this is they will have to verify very detailed information everytime you apply for new credit. Buying a new car, jewelry, applying for a new credit card and other processes will also take much longer.

Best of luck trying to maintain your identity.