Consumer complaint received 2019-07-26
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: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX without notice levied {$32000.00}. The case number is XXXX. 
I filed an exemption claim within time frame allowed by law. 
I am XXXX on XXXX XXXX  XXXX. I also received a personal injury settlement from my former employer on XX/XX/XXXX. Settlement was due to inability to work because of XXXX  and XXXX  XXXX. 
I have a family of XXXX. XXXX boys, XXXX, XXXX and XXXX XXXX XXXX. I am married. 
I own one real estate property and it is my primary residence in the state of California. 
This is my 2nd complaint. 
One day before my exemption hearing, Bank of America 's legal representation, XXXX XXXX XXXX filed a 2nd attempt to levy my property. Case number XXXX P. 

I submitted a complaint approximately 3 weeks ago to your agency. 
I am sending a 2nd because the actions of both bank of America and XXXX XXXX XXXX should be considered as harassment and predatory in nature. 

Plaintiff is well aware of my financial situation. I submitted a financial statement showing I am upside dwon {$7500.00} to {$8000.00} each month. I am using personal injury settlement XXXX exempt ) to cover deficit. The settlement amount was supposed to cover my family for 24 months ( beginning XX/XX/XXXX ) with the hope I could return to work within that time period. 

I had major XXXX  XXXX on XX/XX/XXXX, my wife was in a serious car accident on XX/XX/XXXX ( she was injured ). Her work vehicle was totaled. Then Bank of America levied {$32000.00} on XX/XX/XXXX. 
I am down to less than {$5000.00} of total available liquid funds. 

Not able to return to work in near future. may require XXXX XXXX and possible XXXX XXXX XXXXXXXX. 
Before BofA retained council, I spoke with BofA agents on a half dozen occasions. I explained if I could settle for a negotiated. amount I would do so. BofA kept harassing me, I continued to take their calls and re-told the same story. 

I have been with BofA credit card services for approximately 30 years. Paid monthly credit card bill in full with little exception. Less than 10 times I forgot to pay bill on time, accumulated minimal interest, paid bill. By and large I paid monthly charges in full. 
My credit limit was {$20000.00}. 
When I lost job accumulated higher amount of monthly charges, BofA without my written or verbal permission raised my credit limit to approximately {$50000.00}. 

This is a predatory tactic. I was in the middle of dealing with losing my mother, my job, dealing with health problems, not paying off monthly bills. And they raise limit at a time most banks would not. 
First, limit should not be raised without permission from card holder. Second, the timing is suspicious and predatory. Why not raise it during the two plus decades when I was paying off monthly balance? I think we all know the answer to describe their timing. 
XXXX XXXX XXXX have all the documentation showing XXXX payments and injury settlement. They know I'm down to my last {$5000.00}. They know I don't have the money to hire council. 
So, they make further attempts to increase the stress in my life, push me into further physical and emotional distress. Why? 

I don't have any money. I need the {$32000.00} levied on XX/XX/XXXX to be returned to my account. Otherwise I can't put a roof over my families head. Barely have money to purchase groceries, pay for medical bills. 

Yet, they file a 2nd levy a day before my hearing. 
Despicable. 
I am responsible for the debt, this I know. I am not responsible for the suspicious increase in my credit limit.

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 non-monetary relief