Consumer complaint received 2018-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX AKA XXXX XXXX XXXX, XXXX : Obtained a " ILLEGAL '' inflated amount of debt '' - judgment on XX/XX/XXXX in the amount of {$38000.00} by using an inflated " charge off '' amount from the original debtor-MBNA. 

XX/XX/XXXX-Writ of Garnishment was issued by XXXX County Court for {$74000.00} XX/XX/XXXX my checking account was emptied out in the amount of {$4700.00} Below is a partial list of errors : Original debt confirmed on XX/XX/XXXX by the original creditor MBNA Bank is INCORRECT on XXXX XXXX XXXX XXXX , XXXX court documents . 

XX/XX/XXXX- ( XX/XX/XXXX to be exact ) account was " charged off '' by MBNA and purchased by a lender with and amount of {$18000.00} verified with the original creditor MBNA Bank . See attached credit report. 

XXXX XXXX states the amount due ( as of charge off date ) : {$27000.00} this is INCORRECT- per my attached credit report and verification from MBNA ( the original debtor/creditor ). 

Account Number on the credit card account is INCORRECT as well as the original creditor per XXXX XXXX XXXX  own court documents and exhibits submitted to the XXXX County Courts in XX/XX/XXXX. 

My social security number was also shown on documents-is this is " illegal ''? 

Documents that I have will also show that Mr. XXXX XXXX XXXX agreed to a settlement amount back on XX/XX/XXXX of {$20000.00} NOT {$38000.00}. I have faxed copies from a fax number # XXXX from XXXX at XXXX. This fax will show the original " stipulation '' amount agreed upon prior to Mr. XXXX XXXX XXXX changing the agreement. 

BROKEN " CHAIN OF TITLE '' FOR DEBT PURCHASE-SEE COURT DOCUMENTS. 

I also have several copies of emails sent back and forth between myself, and Mr. XXXX and someone named XXXX ( at XXXX XXXXXXXX XXXX  ) in regards to trying to pay and having issues doing so. 

Transaction Result sheets emailed from Mr. XXXX XXXX ( Payment Plan Manager-XXXX   XXXX XXXX  ) showing payments received as well as bank statement 's. 

My list of documents is very long and includes some serious errors on XXXX XXXX/XXXX   XXXX XXXX, XXXX part to also include a " broken title chain '' which includes as an " Exhibit '' a cardholder agreement from a bank other than the original debtor that was submitted to XXXX County Court. The document list goes on. 

From my very first conversation with Mr. XXXX XXXX XXXX back in XXXX, I never denied the debt however, after asking for the " validation of debt '' ( which I NEVER received ) XXXX XXXX   illegally inflated the original debt as evidenced in the attached documents and more in my possession. 

I was told by Mr. XXXX XXXX XXXX after paying in full in XX/XX/XXXX another judgement/case # XXXX for {$7300.00} ( XXXX  XXXX XXXX filed against me ) XXXX  XXXX would continue to purchase any of my " charged off '' accounts because they knew I could pay. Shortly after that conversation, XXXX XXXX XXXX purchased this account and inflated the original debt. 

This whole illegal " judgement '' has caused major stress in my life not to mention the financial strain on myself during a move to another state when my account was emptied out. 

Finding all of these documents/evidence and emails, will prove that I was misinformed and threatened 10+ years ago by XXXX XXXX XXXX and XXXX XXXX  back in XX/XX/XXXX. 

After emptying my checking account for {$4700.00} on XX/XX/XXXX and the {$4200.00} ( which you say is ALL I paid over 10+ years ) -INCORRECT. This DEBT/ ILLEGAL JUDGMENT is PAID IN FULL. 

XXXX XXXX XXXX has a flawed online payment system that always " shut down '' and would not allow payments. maybe this is so they can come after you and get more money. 

Calls are never returned after repeatedly trying to contact someone about the issue. 

Once I missed 1 payment in XX/XX/XXXX, after 10+ years of paying on a " over inflated debt '' they came after my bank account in XX/XX/XXXX. 

After much research on my part and the recovery of emails and bank statements, credit reports etc. I have discovered that XXXX XXXXXXXX XXXX.   illegally " inflated '' the original credit card debt back in XX/XX/XXXX. 

I have reached out to the attorney for XXXX XXXX XXXX XXXX, XXXX XXXX in XX/XX/XXXX several times, who will only say " you signed a agreement '' and you owe this money and then hung up on me. In XX/XX/XXXX, I reached out to Mr. XXXX XXXX and he was helpful ONLY when trying to reach a " cash settlement " of {$20000.00}. 

My communication ended for about 6 months. The courts released the {$4700.00} to XXXX XXXXXXXX XXXX. back in XX/XX/XXXX. 

I need someone to help me with the " misrepresentation '' and illegal " inflation '' of this debt as evidenced in the credit report attached and other documents. I have over 20+ documents to support this as well emails from XXXX XXXX and bank statement 's showing payments over 10+ years. Please let me know what I can provide for you to research this debt collector. 

Thank you very much. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX # XXXX XXXX ***Documents attached**

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