Consumer complaint received 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a XXXX during the XXXX Real Estate Market crash, I had multiple accounts that I was unable to pay. My intent has always been to try and repay or settle the debt when I was able, hence my attempts this many years later. All but two accounts were paid or settled through various means over the years. My intent in revisiting this was to pay the last two outstanding judgements which were much larger than the others. I only came across this particular account when I requested a Superior Judgement search to make sure I had correct judgement information. That report revealed this judgement, that was filed by XXXX XXXX  XXXX on behalf of FIA Card Service, AKA Bank of America. Upon this discovery, I immediately reached out to XXXX XXXX  XXXX, XX/XX/2020, requesting a Warrant of Satisfaction so that this could be removed from my record. I then went back through all of my files and discovered that they had not provided me with a Warrant for one of my husbands debts either.I was told that they closed my file, and because they were no longer the servicer that they could not give me ANY information and they advised me to call the original creditor and the courts. 

Its my understanding that when a debt changes hands the court is supposed to be notified. They were not. I have been in contact with the Superior Court of New Jersey as well. They have XXXX XXXX  XXXX on file. Timeline..On XX/XX/2020 I called XXXX XXXX  XXXX about my discovery. I was told by XXXX XXXX XXXX that they had to look into my account because it was closed out. They said they would get back to me on Friday and if I didn't hear from them on Friday, to call them back on Monday the XXXX. I called the XXXX, XXXX and again on the XXXX. On the XXXX they instructed me to call the courts and the original creditor. 

In parallel, I began to call FIA card services  as they were the Plaintiff and they hired XXXX XXXX  XXXX. I made as many calls to the Recovery Department, as I did to XXXX XXXX  XXXX. XXXX They told me that they only had one account for me and that it had been sold. They told me it was sold to XXXX XXXX. Because I was already communicating with XXXX XXXX  on one of the two debts that I was in the process of resolving, I was able to inquire. XXXX XXXX told me that they did not have an account to match the Docket or Judgement numbers in question. The searched by social security and docket. It was not until yesterday after being on the phone with FIA for over an hour trying not to hang up without an answer, did I learn that FIA did sell an account to XXXX XXXX, but it is NOT the one in question. There were TWO. Since I could not get myself out of the this loop of them saying FIA sold to Asset, I asked FIA, Bank of America to provide me with an account number, and I had Asset Acceptance provide me with an account number as well. XXXX had multiple card numbers for the same account because they say there were replacements. The account number ending in ... XXXX, was one that XXXX and FIA had in common but for Docket number XXXX. This is not the DC number in question. I settled that account with XXXX last week. Once I cleared that hurdle and was able to identify the account FIA/Bank of America was referring to I explained to them that we were still speaking about two different cases but both originated with FIA /MBNA  /Bank of America . They then proceeded to tell me that they were one in the same. I tried to explain that there are two different amounts, two different courts and dockets. They told me they could not assist me any further because the accounts were the same. I asked for the in writing and they refused. So as of now I have a judgement, XXXX, XXXX on my Superior Court record with no way to remove because there is no owner or servicer and Im being denied information by the creditor and servicer on record. The court was never notified that the file was placed with any other agency. Documents Written Correspondence attached : XX/XX/XXXX Letter to XXXX XXXX   XXXX/Requesting Warrant and Contact info of new servicer XX/XX/XXXX -Letter to XXXX  XXXX  XXXX  /Requesting Warrant and Contact info of new servicer Regular mail and Certified Return receipt -Letter to FIA Card Services , AKA Bank of America/Requesting Warrant and Contact info of new servicer XX/XX/XXXX Fax to FIA Legal Department /Request for info on docket XXXX XX/XX/XXXX Fax to FIA Legal Department/clarification that there were two accounts. 

I am requesting the FIA aka Bank of America aka MNBA provide me with the status of the account,

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