Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the two banks involved in the debt collection of their attorneys at XXXX and XXXX abut the debt and validation according to FDCPA and they failed to comply with the federal rule because they did not : gave me a validation notice to read : 1. Name and mailing information of the debt collector.-THEY DID GIVE THIS XXXX XXXX XXXX XXXX and XXXX acting for both bank of america and XXXX XXXX XXXX XXXX a Note '' they have ) 2. Name of the creditor to whom the debt is owed -the did ( Bank of America XXXX by XXXX XXXX XXXX THEY DID GIVE THIS TO US XXXX. Account number ( if any ) associated with the debt - THEY DID GIVE THIS TO US BUT WE DID NOT TAKE OUT THIS LOAN loan XXXX 4. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records - THEY FAILED TO PROVIDE SAYING WE ARE AN UNATHORIZED THIRD PARTY AND YET THEY WANT TO COLLECT FROM US??

5. The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt This notice is meant to help you identify whether you owe the debt and whether the collectors information about the debt is accurate. The notice must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions. THEY DID NOT PROVIDE THIS TO US 6. A statement that the communication is from a debt collector. THEY DID NOT PROVIDE THIS TO US, THEY ATTEMPTED TO VERIFY IN CONNECTION TO A LOAN APPLICATION WITH BANK OF AMERICA ( ATTACHED ) AND XXXX XXXX ( ATTACHED ) 7. The name and mailing information of the debt collector and the consumer THEY DID NOT PROVIDE THIS TO US BECAUSE WE ARE AN UNAUTHORIZED THIRD PARTY 8. The name of the creditor to whom the debt is owed THEY SAID IS THE " BANK OF AMERICA NOTE '' It is possible that more than one creditor will be listed THEY DID NOT GIVE ANY INFORMATION ON THIS The account number associated with the debt ( if any ) THE LOAN ACCOUNT NUMBER IS DIFFERENT FROM THE ORIGINAL " BANK OF AMERICA NOTE '' An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date ( THEY DID NOT PROVIDE The current amount of the debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt. WE HAVE DISPUTED IT ALREADY THROUGH CFPB AND THE BANKS HAVE MY MOHTER 'S CASH IN THEIR BOOKS AND HAVE NOT PROVIDED CLEAR AND FAIR ACCOUNTING, THEY COLLECTED IN COURT

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