Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I used to bank with Bank Of America. In the spring of 2019 I started noticing a lot of charges that were from places I frequented but not in the amounts or the actual dates I used these establishments. It seemed there were several additional XXXX XXXX, XXXX  and XXXX charges in addition to the ones I knew I made myself. Soon after, in XXXX of 2019 I noticed a bunch of repeated payments for {$300.00} a piece going to a " XXXX XXXX '' through a cash app called " XXXX XXXX ''. I never used this app nor did I know who XXXX XXXX was. After some sleuthing, I found out she was many times my XXXX  driver, or rather, the passenger riding along with the man who was delivering my XXXX  and XXXX XXXX orders. I recalled a time they asked my ex husband to walk down and get the food out of the trunk of the car, and XXXX was aiming a black box with a handle at him. Later I discovered this was likely a forgery device and she had been twice charged for crimes of this nature very recent to this situation. I shut off the card obviously, and then they actually returned that day banging on my door shouting " XXXX XXXX! '' pretending to be workers for XXXX. The man, whose name I don't know, and XXXX would not give to me, had the black box and aimed it at my purse on the end table by the door pretending to be looking inside checking our electricity. So they got me twice.Of course I filed a police report with Surprise Police and got a new debit card. Soon after, a gas card started debiting my account over and over again and now, on XXXX XXXX, I was served a summons by a woman who barged her way into my home past my XXXX year old daughter as she was getting XXXX packages at the door. She served me while I stood there in my underwear. I told her about the police report. She told me to call the XXXX XXXX XXXX and tell them. I have called and left numerous messages for them, I have emailed them, I have attempted to file an answer on the link they provide in the summons but that link is a bad link that doesn't pull up any page whatsoever. I just get an error. They have this suit filed in my name here in XXXX County and I have no way to answer or communicate with them. I contacted BOA who apologized. XXXX in the fraud department told me that if I dispute this item then XXXX hopefully will kick it back to them so they can access the file and handle it properly. He told me that while they marked my checking account as fraud, they did not do the same for the credit card. So they needed XXXX to give them the file back so they could then adjust what they have in the file to reflect the card also was fraud, not just the checking account. XXXX is totally uncooperative however, even after sending my police report through the credit bureaus, they'll deem this account as mine however refuse to communicate with me at all. I feel like this law firm needs to be investigated. They don't really care what the truth is, they just want the creditor to pay them so they go through all these theatrical motions to show they're really trying to do their job with minimal cost to themselves. Slapping me with a summons that includes a broken link where I am supposed to file my answer, then refusing all communication with me, is not only slimy it is against my legal rights.

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