CFPB Complaint

BANK OF AMERICA, NATIONAL ASSOCIATION – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-10-16T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I along with ALL of my relatives received a call stating a process server is attempting to get in contact with me on behalf of a collections company that cant send documents to me. When I call the number they provided its an answering service that routes your call to the company based on the case number, which my case number is apparently directed to XXXX XXXXXXXX XXXX XXXX. When transferred to the ‘law firm ‘ my last 4 of my social, full name and DOB are read out, and I am told there is a debt of over {$5000.00} from an old Bank of America account. This ‘debt ‘ claim was the same I dealt with about 2 years ago and filed a complaint about, with a different collections company, XXXX . XXXXXXXX XXXX said they closed the debt as non-collectable and I would not be contacted again, yet apparently the claim was sold to another firm. XXXX XXXX said they will contact Bank of America but I was told by XXXX that once a claim is sold Bank of America doesn’t have records of any further information.

These collectors called ALL of my family and even friends without my consent about a ‘debt ‘ I was previously told has been closed as non-collectable.

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

State/Zip: TX 750XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3047724

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.

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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.

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