Quick Answer: A Bank of America CFPB complaint reveals excessive debt collection calls despite scheduled payments, with the consumer receiving calls on eight separate days including multiple daily calls. The complaint was closed with non-monetary relief, suggesting Bank of America addressed the harassment issue without financial compensation.
Date Received: 2017-06-23T00:00:00
Product: Other debt
Issue: Communication tactics
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Consumer Complaint: Bank of America will not stop harassing me with phone calls, even though I have told them to stop and they can see we ‘ve made the payment on our travel trailer. These are robocalls. You say hello and no one is be replies for a few seconds. We scheduled our payment ON THEIR WEBSITE for a future date. They STILL call. This month, they called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Several of these days, they called 4 and 5 times a day. If I answer, and I ‘ve grown weary and tired of explaining the same thing over and over, they still can not get it through their heads that we scheduled the payment. There was one female who was very nice and even offered to credit a late fee they had charged this month, which tells me the calls should have stopped then, but they did not. They restarted the next day! I suspect this is a hired outside company, because they say they have no access to BOA systems? This makes it all the more egregious. It is upsetting and stressful. They need to STOP.
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State/Zip: GA 310XX
Company Response to Complaint: Closed with non-monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2557057
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
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