Consumer complaint received 2021-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Bank Of America sent people to my home 4 different times trying to collect debts. Also sent me a letter from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, OH XXXX BANK OF AMERICA Reported : XXXX XXXX, XXXX {$5700.00} Closed Overview You're currently using XXXX XXXX of your account 's limit. 
Balance {$5700.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( 4 yrs, 6 mos ) Payment History Youve made XXXX XXXX of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Amount past due {$5700.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks XXXX XXXX  Reported : XXXX XXXX, XXXX {$1700.00} Closed Overview You're currently using XXXX XXXX of your account 's limit. 
Balance {$1700.00} Credit limit $ XXXX  Monthly payment No Info Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Payment History Youve made XXXX XXXX of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$1700.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/XXXX days late XXXX Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$3600.00} Closed Overview You're currently using XXXX XXXX of your account 's limit. 
Balance {$3600.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 3 yrs, 7 mos ) Payment History Youve made XXXX XXXX  of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Last paymentXX/XX/XXXX Current Payment Status Charge-off Amount past due {$3600.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor XXXX 30/60/90 days late XXXX Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$4500.00} Closed Overview You're currently using XXXX XXXX of your account 's limit. 
Balance {$4500.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( 2 yrs, 1 mo ) Payment History Youve made XXXX XXXX  of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Amount past due {$4500.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor XXXX 30/60/90 days late XXXX Closed XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX {$0.00} Closed Overview You have XXXX XXXX  left to pay on this real estate loan. 
Balance {$0.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs, 3 mos ) Term No Info Payment History Youve made XXXX XXXX of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX. XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Paid and Closed Type FHA Real Estate Mortgage Responsibility Individual Account. 
Remarks

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