Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My husband called me said that someone had called him looking for me how they got his number I do not know he asked what you want with her they said he couldn't they couldn't disclose that other than that she's being sued and that they had tried several attempts to hand me a subpoena.well I thought that was the first red flag because no one has ever contacted me by mail in person or email so I didn't know what it was before I called the number he provided. accompany answered but wouldn't tell me what the company was for instead she asked my case number which I gave him that my husband gave to me. Some kind of law firm is on the phone stating that I owe them {$5000.00} for a debt with a bank for an overdraft back in 2006. He said they try to send me mail at an address and list at the address this address was a work address not my home address in which I wasn't there for a year the question as to why they're asking me to pay a debt I did not know I had that I received no mails from Bank of America because that's what he said the debt was for {$300.00} and some dollars.you proceeded to tell me the reason was because of the Obama administration had put a halt on any death that was owed and the whole was raised and now people can sue for debt.I didn't understand how I had an overdraft for a bank because I have opened up accounts since and they would have notified me that there was something wrong with in check systems that's how it usually works and from 2006 I don't recall having an overdraft account with any Bank.she didn't said let me talk to my supervisor because you sound like an educated smart woman who just didn't get her mail I don't understand why it came to a business that's unusual usually just goes to the residence.he stated my last four digits of my social and asked me if it was correct and I said yes he also knew my current address which I said yes that is my current address so why haven't I received anything. he said he didn't know but because of all these issues he was going to talk to his Superior to see what he could do for me.he gets back on the phone and he says that they really didn't want to open up the case because the case is closed I said I am not going to pay {$5000.00} to anyone I'll get an attorney and he said well there's a different route we can go so you're saying that if you knew you had this debt you would have paid it and I said yes he said okay then what we can do for you the debt was {$300.00} and some dollars but with fees it's {$520.00} can you take care of that now I said absolutely not I have no paperwork I don't even know I owed that and this could be a scam I don't even know who you are he says well if you think it's a scam then we'll probably have to go into proceedings and then you'll have to hire an attorney and then we'll go to court and they'll see you in XXXX County Court your county. I said well why don't you send me something in writing in my email he asked for my email I gave it to him he said though which I found odd if I don't hear from you within 3 hours I'm going to assume that you're going a different route or call me up and pay the {$320.00} to close this. I said even if I wanted to I don't even have {$320.00} we just got back to work due to Covid. He said well you make that decision so I went and looked at my email and there was a name XXXX XXXX which is so vague and odd it didn't even have the company she was working for.they wanted me in order to open it I would have to check something to agree on electronic signature I was not about to check anything before I could go into something just to see you what it was about I felt that was tricky so I did not even answer the email and.. decided to report this insteadXXXX was the number I had to call w a case number.

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