Consumer complaint received 2024-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Exhibit C : Two certified mail dated XX/XX/2023 & XX/XX/2023 NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM letters were sent to XXXX, XXXX XXXX XXXX, XXXX. attorneys representing Bank Of America , N.A . claiming alleged debt. Below are laws that were put in place to protect the consumer, and has been violated by XXXX, XXXX XXXX XXXX, XXXX. attorneys representing Bank Of America , N.A . Notice of dispute letter sent to XXXX, XXXX XXXX XXXX, XXXX. certified mail dated XX/XX/2023 & XX/XX/2023. 

-Abusive Practices 15 USC 1692 -Acquisition of location information 15 USC 1692b -Harassment or abuse 15 USC 1692d -False or misleading representation 15 USC 1692e -Unfair practices 15 USC 1692f -Legal actions by debt collectors 15 USC 16921 A Counter Claim with Self-executing Contract was also in the letter that was sent in the dispute mentioned above, exhibit C. Mentioned below executes the Self-executing Contract, If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt : ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondent 's tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as " paid as agreed ; '' and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account. that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. 

Respondent also known as XXXX, XXXX XXXX XXXX, XXXX. failed to provide and validate proof of claim. 

15 USC 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} A third letter, in response to a lawsuit served to consumer, was sent certified mail dated XX/XX/2023. Notice of Dispute letter was sent to XXXX, XXXX XXXX XXXX, XXXX. attorneys representing Bank Of America , N.A . in a lawsuit claiming alleged debt with a case number that can be provided if requested by the CFPB. Below are laws that were put in place to protect the consumer, and has been violated by XXXX, XXXX XXXX XXXX, XXXX. attorneys representing Bank Of America , N.A . 

-Abusive Practices 15 USC 1692 -Acquisition of location information 15 USC 1692b -Harassment or abuse 15 USC 1692d -False or misleading representation 15 USC 1692e -Unfair practices 15 USC 1692f -Legal actions by debt collectors 15 USC 16921 An additional attachment with this complaint will be an Affidavit of truth notarized XX/XX/2023

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