Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing in regards to a private student I obtained from Bank of America in XX/XX/XXXX in the amount of {$7000.00}. 

I began making payments on the loan but the payments became too much and I started receiving harassing collection calls. My last payment was in or around XX/XX/XXXX. The calls continued but I wasnt able to make payments. 

In XX/XX/XXXX, I was served by XXXX XXXX, a collection agency/law office in XXXX XXXX, MN representing a company called XXXX XXXX XXXX XXXX XXXX, who had apparently purchased the loan in a bundle with many others. Other than requesting supporting documentation, I did ignore the issue and as a result they obtained a default judgement against me. 

In early XX/XX/XXXX they levied my bank account and got about {$60.00}. It was after this that I started consulting bankruptcy attorneys because I wasnt even certain this was an actual student loan and in XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I received my discharge on XX/XX/XXXX. 

Several months after my discharge I started receiving communications from XXXX XXXX again. I consulted my bankruptcy attorney who referred me to another attorney in the XXXX XXXX. Upon consulting with her she guided me on what to ask for in terms of the paperwork pertaining to my loan. I requested it several times and each time, it was incomplete. ( Due to a house fire, I no longer have my original documents. ) I was contacted again by XXXX XXXX last year with regards to their intention to garnish my wages. On top of that, another collection agency, XXXX XXXX, contacted me regarding collection of this debt but it was for a totally different amount. I again sought advice from my bankruptcy attorney who was unable, or perhaps unwilling, to assist. 

I have done my own extensive research on whats going on here. I, along with the Minnesota Attorney General 's Office, have continually asked for ALL documents pertaining to my loan including proof of  XXXX XXXX 's ownership, which has never been provided to me. It is my belief that XXXX XXXX XXXX XXXX XXXX does not have the right to collect on this loan because they can not prove ownership of it. There are several articles regarding this exact issue from reputable sources including the XXXX XXXX  XXXX which I can provide if necessary. 

One more thing I should mention with this situation is I received a XXXX from Bank of America but I can not determine which loan it is associated with ( I had a total of 3 ) and no one from Bank of America could provide me with that information. No amounts or loan numbers correspond to any information I have. If that form is associated with the loan XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX, then I don't see how they can continue to collect. 

As I mentioned I did work with the Minnesota Office of the Attorney General and XXXX XXXX, the person assigned to my case, did a fantastic job but he kept getting the runaround from XXXX XXXX. About a month ago he reached out and suggested I reach out to your office for additional assistance. 

Please feel free to contact me at any of the above contact information provided. Any help will be greatly appreciated.

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