<prompt> Human: I posted here before on how my mother made me put her as a joint owner of my bank account. I dont trust her and I only let her because I was afraid of what she might otherwise do. I got a lot of advice on how I should just open an account at another bank and transfer the money over. Well, after doing lots of research, I decided on Charles Schwab and made an account there. Id also like to mention that I have a narcissistic mother and Im planning on telling her Im moving out soon 2.5k miles away. Im pretty sure shes going to freak out and try to do something crazy like drain my account. Thats why I want to transfer the money over to my new account before I even mention Im moving. However, I really dont want her to know about my new account or even the name of the bank, since she could try to pretend to be me, steal my debit card and take the money, etc. How could I transfer the money discretely so that if she looks at the statements she wont know where the money went? Also, is there any way she could call someone pretending to be me and get knowledge that I have another account somewhere? Im just so paranoid and she cant be trusted. Shes also clever with financial stuff shes opened lots of credit cards under my name, so she could find a way. Assistant: Shes also clever with financial stuff shes opened lots of credit cards under my name, so she could find a way.Due to an impending migraine, I will skip to this part and be blunt: DOCUMENT EVERYTHING, IMMEDIATELY. What you claim she has done is not clever but a federal offense: identity theft.Human: Very true, but I really dont want her to go to jail or anything. Shes bankrupt so cant have any credit of her own, thats why Ive been ok with her using my lines of credit, Im just afraid shell try to compromise my life savings which are in the account she made herself a joint owner of.Assistant: I understand the desire to not want to damage your mother, but remember, she is doing this to herself. You dont open a credit card in someone elses name without knowing it is illegal. She is doing this because she thinks she can get away with it. I am sure she has all the intentions in the world to pay you back, but she wont. She cant. She doesnt know how. Human: I already have 6k racked up in credit cards. The thing is, its both my mother and her husband I know he has brainwashed her into doing this, too. And I want to freeze my credit but they are also paying the minimum on the credit cards for now so they could keep using them, so I also dont want to have to pay back that 6k. If anything, what Ill do is freeze my credit once I move out and then tell them that if they do not keep paying off that debt theyve racked up in my name, then I will report it as fraud. Im sorry to have to do it, but Ill have no other choice than to threaten them. Do you think this could go wrong?  <response>: Yes. Sorry but youre already liable and lol paying the minimum each month means that balance is growing faster than its being paid down. 