Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
B of A account number XXXX B of A has violated the FCRA in the way they have handled my loan. They have ruined my credit and my car. They hVw recklessly harmed me and I expect them to remediate the situation. I want an accounting for what was owed which I have already paid current. I want the repo fees and late fees reversed and any damage to my car to be corrected. Further I want my credit restored. And I want my car back timely. 

Car was purchased in XX/XX/2022 used from dealer. They negotiated financing and were supposed to set up automatic payments. That did not happen I called B of A made payment 1. They said they would set up automatic payments.

I assumed this would happen and then I did not hear from the bank in XXXX I made an online payment using the B of A online website. It asked how much and I indicated a {$2000.00} payment this is a rounded up figure the actual payment is lower. 
I woke us this morning and the car was gone. I thought it was stolen and called the police they let me know that it had been repossessed. I was in shock as I had no ideas I was behind. 
I logged into the B of A account and it said they wanted 6 payments and a late fee of close to {$500.00} plus repo fees which they dont know how much it would be yet. I would have to wait at least 24 hours before I would know what the payment would be and then they would let me know if I can get the car. 

I asked the lady from B of A why they are asking for six payments ( I understood the late fee ) she said I was behind four payments. This was the first time anyone from B of A or anyone representing B of A notifies me that I was behind. So then I said why are you asking for {$12000.00} she said because you are behind five payments. I said wait a minute one minute ago you said I was behind four payments. She said and you missed one last Sunday.

I was shocked and stunned I have never had such a problem. I was so taken back I went went back immediately online and paid the six payments. And let charge they asked for but she was not willing to give me any other information or information about my car. 
I have surveillance cameras in my driveway and it shows that about XXXX this morning they attached my car to a XXXX truck and dragged it. This is a XXXXour wheel drive car and I have pictures of where the wheels of the car were dragged down the street and I am worried that the car has been damaged as a result. Thai car is not supposed to be dragged on that manner.

B of A never once contacted me about being delinquent, no calls, no emails, no letters. When I went online in XXXX there was no notice on my account that I was behind on payments. My credit report will show XXXX  years of clean credit history. 

I tried calling and they treat me like a I am thief and refuse to talk to me. They said I have to wait 24 to 48 hours. I am leaving for out of town and I dont know how this will be resolved.

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