Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX via voicemail. The voicemail stated that I had an open summons to court in the county in which I currently reside, however, after further investigation, I was not residing in the state when I opened the supposed credit card. 

I contacted the 'debt collector ', XXXX XXXX XXXX XXXX and was told that I had a debt from XXXX that was still outstanding. The debt was to Bank of America which had a {$3500.00} debt. Several details sounded suspect to me - 1. the debt was from XXXX, I had paid on the debt until XXXX and then suddenly stopped. 2. If I had a debt long, I would have likely paid off that balance in much less than nine years. 3. This was already over the statute of Limitations for both the state of XXXX XXXX, where I had supposedly opened the debt and XXXX, where I currently reside. 4. I never opened a Bank of America credit card - ever. 

After brining these details up to the representative, XXXX, I was told that he could not provide any documentation of the details until I paid the debt. I asked questions as I thought it was fraud. He did provide verbal details about my current open lines of credit to which I could use to pay him. He claimed to have current signatures from student loan documents that he could compare to promissory note from the Bank of America credit card. I wanted to take a few days to look into the details and examine my finances to figure how I was going to pay the debt. I was persuaded to pay the debt while on the current phone call or I would be taken to court and charged for the debt and all fees associated with the case to an amount upwards of {$13000.00}. I did give XXXX, XXXX my credit card number to charge the agreed upon amount of {$2900.00}. 

A few days later, I received the 'contracts ' that required my signature which also had the Bank of America credit card number on it. I immediately called Bank of America for information on this. I was told by several different departments that I had no footprint within Bank of America and the credit card number provided had never been issued- it was a made up number. After receiving this information, I immediately filed a chargeback with my credit card company. They have been denying my claim ever since XX/XX/XXXX. I need proof of cancelation of the policy which I never had. I was also told to contact the 'merchant ' and request a refund. I reluctantly called XXXX back and was berated, yelled at and hung up on subsequently denying me a refund. XXXX with XXXX, XXXX also told me that I would pay what I deserved and they would get their money. His attorney 's were ready and prepared to take me to court. 

I'm under the impression that because this XXXX  XXXX has a work-up on my financial background and current history, it looks like they have supporting evidence that I owe this debt. This is what my credit card, XXXX XXXX, is going off of. I have provided a clean credit report and verbal contact with Bank of America, to no avail. 

XXXX, XXXX is good at what they do, scamming. Do your research, don't rush and don't give money to anyone without proof.

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