Consumer complaint received 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Letter of Dispute ALLEGED DEBT CREDITOR XXXX XXXX XXXX XXXX XXXX  CLAIMING ORIGINAL LENDER IS BANK OF AMERICA ALLEGED ACCOUNT NO : XXXX  / Alleged debt account # XXXX ( ALLEGED AMOUNT OWED {$43000.00} Alleged Principal balance, Interest Balance {$20000.00}, Account Balance {$63000.00} ) Alleged Creditor Address # 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Address # 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Address # 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, Reference to letter received dated XX/XX/XXXX. You are attempting to collect on a bogus account. I do not owe the above listed alleged debt. In the last 64 years, I have never co-signed, nor been a co-borrower for any loan with XXXX XXXX XXXX XXXX XXXX. I have never made any payments, nor will I agree to make any payments or agree to a settlement with the alleged creditors or their alleged assigned collectors-simply because this alleged account is NOT mine! Please note that I live in XXXX and did not borrow this loan. Neither Bank of America nor XXXX XXXX XXXX XXXX XXXX could have loaned me any money because I am currently and was XXXX at the time of the alleged debt. Due to my XXXX, I was unemployed and not credit worthy. Inexplicably, in over 14 years neither one of the alleged creditors ever attempted to collect from me until now - ( almost a decade and a half later )! Also note that I live in Texas where the statute of limitation is 4 years, therefore the alleged debt is time barred. 
You will find that there is no copy of a contract with my signature, social security number, nor driver license number. Since there is no promissory note, no credit agreement documents with the alleged original lenders, or their assigned collectors for this debt. I demand a copy of the contract with an authentic signature on the original document evidencing the original alleged debt accompanied with an affidavit from the original creditor. In addition, requesting a copy of the loan agreement in effect at the time supported by an affidavit from the original creditor for this alleged debt. 
I demand that the alleged creditors Bank of America, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX show proof of contract, they are licensed and that they have the right to collect the alleged debt with the name XXXX XXXX XXXX by providing Bill of Sale, an assignment contract or receipt between the original creditor or last alleged creditor holding the debt and the entity collecting. Asserting lack of standing, requesting that the debt purchaser show proof that the account was one of these it purchased. Therefore, because this debt does not exist, nor ever existed, we are requesting immediate relief. 
I am demanding that you stop the alleged debt collection immediately and remove all derogatory information from my credit report. Please send me a letter to that effect so that this will not occur in the future, if you decide to assign this alleged debt to another debt collector. It is illegal to attempt to collect a debt that is not owed. I am a XXXX yr. old, XXXX XXXX XXXX! 
Thank you,

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