Consumer complaint received 2018-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX : calling on behalf of an old debt regarding Bank of America. ( unknown employer ) Debt if marked paid in full as of XX/XX/2018. 
On XXXX XXXX Identified himself as XXXX XXXX XXXXXXXX with legal documents from XXXXXXXX XXXX XXXX ( visual voicemail available ) Payment arrangement made with XXXX XXXX from XXXXXXXX XXXX XXXX upon the proof of written validation notice showing how much is owed and offer being presents. Requested to be sent to XXXX. 
XX/XX/XXXX payment not made due to lack of evidence presented by XXXX XXXX On XX/XX/XXXX Identified himself as XXXX XXXX from the law offices of XXXX XXXX XXXX ( visual voicemail available ) On XX/XX/XXXX Identified himself as a XXXX XXXX with federal access and read the full SSN and DOB out-loud without prior verification that the caller was XXXX XXXX XXXX XXXX XXXX maintains a security clearance that is still valid and sharing information with unverified sources may become a matter of national security -During 21 minute phone call beginning at XXXX hours XXXX XXXX stated that is was a criminal case and provided # XXXX which has not been filed through court and has not incurred a judgement by an official court. 
- XXXX XXXX stated repeatedly that XXXX County Sheriffs could have me sent back to XXXX XXXX XXXX  ( without arrest warrant and no case seen or filed to the XXXX County or XXXX County Courts. It has been check and verified that nothing has been filed in either XXXX XXXX Court System or through XXXX County, XXXX. ) -XXXX XXXX stated that the unverified caller was not allowed to speak or judgement for a claim of {$830.00} would result in a judgement against XXXX XXXX for {$3200.00}. 
-XXXX XXXX gave a lecture about his children and that XXXX XXXX was given two ears and one mouth by XXXX so that she could listen twice. And that his call is a blessing from XXXX. 
-XXXX  XXXX asked XXXX XXXX a series of questions and upon submissive responses repeatedly threatened to end the call, have XXXX XXXX removed from XXXX County using XXXX County Sheriffs and would have judgement reaching {$3200.00}. 
-Upon request of the caller for verification of debt, proof of no other attempts to collect through other organizations or proof that offer was verifiable ; XXXX XXXX stated he would end the call if the caller made one word and proceeded with repetitive threats. 
-Upon the callers proposal to have husband of XXXX XXXX pay debt same day by money order in person. XXXX XXXX stated he would have XXXX XXXX husband served her legal paperwork. Stated no offices are available in XXXX XXXX hometown and stated XXXX XXXX had one hour to leave her home, purchase a pre-paid card and make payment to avoid husband being served or being removed from XXXX County. XXXX XXXX voice was raised and heard across the hall by her children. 
-XXXX. XXXX ( XXXX XXXX ) husband placed call to make payment on behalf or his distraught wife. Made payment in full {$400.00} ( no verification of debt has yet to be sent, only a receipt saying paid in full and marked for hardship. ) - XXXX XXXX calls again regarding call placed to wife. Requests supervisor ; XXXX XXXX receives the transferred call and places XXXX XXXX on hold for 25 minutes until call drops. 
-XXXX. XXXX calls against and requests XXXX XXXX supervisor ; call is transferred to XXXX XXXX who states that XXXX XXXX or her husband may only speak with him and will not be transferred. 
-XXXX. XXXX attempts a third call to a supervisor and is sent to the payment line, where their department apologized but stated they have no power to make changes. 
-It is still unknown who XXXX XXXX is or who he works for. Despite attempts to cooperate and ask for minimal amounts of information XXXX XXXX has taken is upon himself to determine that he is/was perusing XXXX XXXX for criminal action and can have her displaced ( while raising a XXXX XXXX child and XXXX others. ) without verifying callers information before providing full SSN and DOB ;  he has also taken it upon himself to identify his employer as three different organizations and determine that a blessing is bullying a payment made under duress with no evidence of his employer, a debt settlement of proof of debt. 
-XXXX XXXX was not paid on XX/XX/XXXX due to lack of identification, lack of evidence presented to XXXX XXXX and presented himself in the exact same manner as an impersonator of a federal agent from the IRS in calls placed to XXXX XXXX in the last three weeks who also stated and I quoted in summery I will tell you what will be done to you if this debt is not paid, if you say a word I will hang up and proceed with legal paperwork and have the XXXX County Sheriffs bring you back to XXXX XXXX . 

XXXX XXXX gave the impression of a con artist through his tactics which included the statements " if your debt is not paid in one hour, XXXX County Sheriffs will be arriving to send you back to XXXX XXXX, NV. ''

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