Consumer complaint received 2021-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received my B of A Visa in XXXX of XXXX and was very prompt with payments and staying current. When I came upon hard times after a job loss in late XXXX, I wrote letters to B of A letting the Credit Card know my hardship and sent to the addresses below : 3 xs from XXXX to XXXX. 
Bank of America XXXX XXXX XXXX XXXX, AZ XXXX Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Bank of America XXXX XXXX XXXX XXXX, DE XXXX I informed them of my loss of employment in XXXX, and let them know I having difficulty at this time to make my payments due to loss of work and would need time to catch up in order to pay off my card. I let them know I will send any amount I can to be sure to keep a good standing. I sent another letter in XXXX letting B of A know that I began new employment and will be doing my best to catch up. I never received a response or correspondence of any kind. I am a XXXX  XXXX  and Covid19 hit the Travel industry in XXXX of XXXX and proceeded to get worse from that point forward I sent a 3rd letter in XXXX of XXXX. I continued to make payments to B of A credit card as much as I could and managed to pay off the entire amount debt in XX/XX/XXXX. 
On XX/XX/XXXX I received a knock on my door and was served with a summons by Bank of America saying Ive been sued??? Me? When was I told this was happening? Why didnt credit card services respond to any of my correspondence? Payments were being made and all payments were accepted by B of A and B of A has received all monies due. To receive a summons without a cause or without responding to my efforts to pay a debt as they were receiving monies was not right. When I called customer service, they confirmed payments and transferred me to another dept. who also confirmed payments said they have been receiving my payments, but there is a 3rd party involved? 
So how is this action justified? And why didnt I get some kind of letter or email telling me this action was taken? Do I report this to consumer affairs? Is this the way B of A works with card holders to throw them into financial ruin without communication or correspondence? How is it that B of A continued to receive payments and did not respond to my letters? How is it that B of A accepted payments without upholding a fiduciary duty to consumer, As I have made sure to pay back every penny and more. 
I would appreciate your help in resolving this matter I have stayed in contact with credit card services and did not ignore my debts. This took me a total of 20 months to resolve since the loss of employment in XXXX and B of A made no attempts to correspond with me. I opened this card in XX/XX/XXXX and was on a very good track until loss, but still managed to pay off this debt entirely by XX/XX/XXXX. 
Bank of America has received every penny of debt and I would appreciate correspondence back from B of A to remove this suit without any further complications to add to the hardships I am going thru now with COVID-19. 
I have enclosed proof of payments from showing that I did not ever avoid my debt and paid off the entire debt. From XX/XX/XXXX to XX/XX/XXXX in the amount of {$5000.00}.

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