Consumer complaint received 2021-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 keep getting letters in the mail from civil attorney law groups telling me that bank of America filed a lawsuit against me on XX/XX/XXXX for a debt that I have tried to contact them to resolve. BofA is/was telling me that I owe over {$5000.00}, most of it in interest, on a credit card balance that started as less than {$500.00}, which, as of the time that this balance was outstanding about a year ago ( XX/XX/XXXX ), had already escalated ( with interest ) to around {$1200.00} ( please see the attached copy of my XXXX credit report from XX/XX/XXXX ). 

At that point in time, I had already contacted the company about some inaccuracies and inconsistencies in the ways in which they dealt with my available credit and their consumer relations practices in XXXX of XXXX, regarding how they responded to a complaint that I lodged with the CFPB around that time last year. Around that same time, I began having severe health problems ( through no fault of my own - please see the medical documentation that I have attached, indicating the distress that I was under ) between XXXX of last year ( XXXX ) and now, which rendered it difficult ( virtually impossible ) for me to communicate in a way that would effectively resolve this issue ( I am diagnosed with XXXX, XXXX, and XXXX - please see the attached diagnostic information, contained in the letter written by my XXXX XXXX XXXX XXXX ). 

I have the distress that I underwent documented with multiple doctors, including XXXX XXXX, and therapists ( from around XXXX of XXXX, when I began officially seeking help, rather than just continuing to call into counselling hotlines and use other free resources to help with the problems that my XXXX ( as a consequence of unethical behavior on the part of my university ) was causing me ). The part about the unethical behavior with my university is documented and credible, because the school acknowledged their mistakes by allowing me incompletes in all of my Fall XXXX classes ( because the semester was such a disaster through no fault of my own - please see the letter from Ms. XXXX XXXX, the attorney who authorized the incompletes and who also happens to be the attorney who is responsible for this harrowing ordeal ). As those reading can hopefully see from the attached medical documentation and my grade appeals letter, the communication and intervention tactics used to address an ongoing bullying and discrimination situation with the school were not only ineffective but also unethical and actively harmful ( Note the use of Facilitated Communication, which is an outdated and experimentally disproved XXXX intervention tactic that Ms. XXXX haphazardly used on me during the course of her involvement with my case - this was very confusing for me, because people were being made to treat me differently, and I did not understand how or why these things were happening/why I was being treated differently ). 

I also want to add that MsXXXX XXXX 's office is assigning a new investigator to my discrimination complaint ; and, per a conversation that I had with their Equity and Diversity director last week, MrXXXX XXXX XXXX, they have enough evidence to proceed with my complaint ( for several parties ) and are going to actively be investigating my claims ( which means that my accusations are credible - their office does not investigate complaints without significant proof to trigger these efforts - accusations are not taken lightly ). And they also agreed to write a new FSOC that contains facts rather than fiction ( and they are only doing this because of the recording I have that proves this attorney is a liar ). Again, these facts are all evidence of the fact that I was wronged. They would not be investigating and they would not have granted me these accommodations if that were not the case.

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