Consumer complaint received 2018-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX XXXX I received a call from XXXX. The recorded message stated that there was a legal complaint against me and saying they were " retained '' to serve me documents at home or work. The call instructed me to hit a number to speak with someone or call XXXX. I hit a key but the line hung up on me anyways. 

On XX/XX/XXXX at XXXX XXXX I called the XXXX and spoke with XXXX XXXX. He told me that I have an unpaid Bank of America card from XXXX. After reviewing my info, he said the last four digits of the social security number was wrong. He said he would remove my number. 

On XX/XX/XXXX at XXXX XXXX  I received another call from XXXX. I didn't have time to call back at that time and hitting a key still hung up on me. 

On XX/XX/XXXX at XXXX XXXX, my almost XXXX year old mother, who is a XXXX patient, got the same recording I did saying I was going to be served with papers. She took a screen shot of the message, which the XXXX voicemail transcribed, and sent it to me with a text saying she thought I was going to be served with papers. 

On XX/XX/XXXX at XXXX XXXX I called the XXXX number and asked for a manager. I was transferred to a XXXX XXXX ( pronounced XXXX ). She stated that she was head of the arbitration department. She told me that the social on the account was mine. She also said that my mom ( the XXXX patient ) would need to call in if she wanted her number removed. I told her the name of the employee I spoke with previously and asked her to review my ssn with him as he confirmed it was not mine. Throughout this entire call she continuously interrupted me to tell me that they weren't going to help, that it was my bill, and I need to handle it. I tried to tell her I asked for all the details to file fraud the previous day but she continued to speak over me and refused to assist, then hung up. Note : I swore an awful lot during this call. XXXX was very rude and telling me you're going to continue to call my mother when you know the bill is not mine is something that takes me right past angry into furious. Please listen to the call with employee XXXX XXXX ( previous day ) or with XXXX ( don't know her last name, on XX/XX/XXXX ). 

After XXXX hung up on me, I called every number I had for the company ( there is a LOT of phone numbers for them online ) but kept getting hung up on when I would ask for a mailing address for the company. Finally, more than a dozen calls later, I got XXXX. XXXX was lovely. She said their mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. She says they have four locations. One in Georgia, one in Massachusetts, one in Texas and one in Indiana. She confirmed that around the time that XXXX hung up on me, my number and my mother 's number was removed and a note was put on the account that the social security number was wrong ( keep in mind that XXXX told me it was my social!!! ). 

I am attaching the screen shot of the message my mother received in her voicemail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation