Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I opened a business in XXXX with another person. At that time we opened up a number of business accounts with vendors and banks. In XXXX I left the business and sold my ownership to my business partner. We provided all of our vendors and banks with our documents showing the business ownership changes. I requested that all of the cards in my name be closed and closed the credit line that was in our joint names. 

My old partner continued to operate the business till XX/XX/XXXX/XX/XX/XXXX time frame. During that time he apparently racked up debt he could not afford and he started receiving collection notices. I received XXXX from Bank of America at that time in my name. I contacted Bank of America and provided them with my change of ownership documentation and the lady I spoke with claimed to update the account and never contacted me again. In XXXX I ran my credit report and saw a collection agency was listed trying to collect on the old Bank of America debt. I called the company, explained the situation, and they stated that when Bank of America sold them the debt they only listed my name on the account and not my old partners. I was able to get my old partner to contact the collection agency and agree to pay the debt. I provided the collection agency all of the ownership change forms at the time and they never contacted me again. 

My partner never paid the debt and when I attempted to get a mortgage recently I saw that the debt was still on my account. I contacted the collection company, XXXX XXXX and they said that they would not remove me off of the account because that is how they purchased it. I requested that they contact Bank of America to get updated records because my partner should have been the personal guarantor and they would not do it. They said I had to get Bank of America to provide me that documentation. I called Bank of America to request details on the account. Bank of America said they can see that my partner is a personal guarantor and they have notes in their system that there was an ownership request documented but they do n't have any additional details. They do n't have copies of the change of ownership forms I sent in nor copies of the contract stating I am no longer responsible for the business. They are going to provide me with a letter stating that my partner is a personal guarantor but will not provide me with anything stating that I am not. 

I have also requested documentation from XXXX XXXX and Bank of America, verification of what the debt is. I was not with the company during the years that the debt was incurred so I have no idea what they believe I am responsible for. Neither XXXX XXXX nor Bank of America has been able to provide me with any account statements stating who used the account, what was purchased, whose card was being used and in what amounts. I have received nothing from them. I originally made this request in XXXX and they did not provide it and I 'm making the request again in XXXX and they are telling me they do n't have any of those details. I do n't have chance to dispute these charges if they ca n't provide me with the details on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief