Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A call from of XXXX & XXXX back in XXXX of XXXX. For a debt from back in XXXX, I agreed to make {$50.00} dollar payments a month and signed an e-contract online. Due to fraudulent action, my current bank card was canceled by my bank. Trying to keep with the contract I tried to contact XXXX & XXXX, via the contact number given to my bank, on XX/XX/XXXX of XXXX, via the number on the bank statement. That number belonged to a car dealership in XXXX Georgia, ( I've called this number three times thinking that I dialed the wrong number ), not the so-called law firm. The woman at the dealership told me that they have been getting calls from a lot of people asking why they have been taking money out of their accounts ... She flat out told me that it was a scam. My bank is even now trying to recoup the {$100.00} that was paid to them. So today XX/XX/XXXX, XXXX, I get a call from XXXX XXXX for breach of contract I tried to explain to her I'm in procurement and that every company must provide a legitimate number that belongs to the vendor when doing monetary transactions. The woman XXXX XXXX stated that the number on my bank statement belonged to a contractor and how was she supposed to know that they had changed their number? ( Serious red flag here ). I told her that I wanted to make sure that they were legitimate and not a fraudulent company and until then they would not be getting any more money from me. At this point, she actually started arguing with me as to why I did not contact them via the number on the contractual agreement XXXX both numbers should be the same or at least lead to the XXXX & XXXX law firm ). I thought it was kind of fishy when back in XX/XX/XXXX, I was told only to call back to the number on the contract agreement. 
I reiterated that I just need to make sure that they are legit. That's when she proceeded to tell me that they will sue me for the old debt and breach of contract for non-payment. 
I did XXXX the name of the company before I went into contract with them, it seemed legitimate until the bank statement kept showing the number for the car dealership as the contact number for this so-called law firm. besides that everything is done online and the document link they use only lasts for a short while so that you can not access the document unless they resend it to you if you did not download it. on top of that, I've never received a statement from this company. 
They also have 3-4 different 888 numbers for contact. According to a website called XXXX, there have been many people who have been scammed by these people. I've never received a billing statement from this company. even during the conversation tonight she kept referring to the contract agreement when I mentioned how they wouldn't send me any document of verification. The website does not look right either.

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