Consumer complaint received 2015-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/XXXX XXXX XXXX XXXX sent someone to the house I live in, and delivered a complaint summon for an old debt lawsuit. They said Bank of America assigned the debt collection to them. The summon looked fishy because it did not have a file case number on it. I called the Superior court in XXXX, XXXX, and the clerks told me I could not file my answer to XXXX , XXXX ' complaint because there was no file case number to file it under. I had only 20 days to sent my Answer to XXXX , XXXX in XXXX. I sent my Answer and request for debt verification, and validation with requests for proof of ownership of debt, chain of assignment, the contract between Bank of America and XXXX , XXXX on XXXX/XXXX/XXXX. XXXX , XXXX received the certified mail on XXXX/XXXX/XXXX. 

I wait for XXXX , XXXX while I checked nearly everyday Superior court record for a file case number for nearly four month. I was very sick and waiting for surgery, so I was focusing on my health. I forgot about XXXX , XXXX I thought they drop the lawsuit because they ignore my request for debt information, and they never sent me anything that I asked for. 

On XXXX/XXXX/XXXX my roommate handled me a letter from XXXX , XXXX. It was confusing letter because it listed dates for a court trial on XXXX/XXXX/XXXX ... A year away. This letter had a file case number on it dated XXXX/XXXX/XXXX. There was no words about them winning a default judgment against me. I found out about the default judgment my calling the Superior court with the file case number, and the clerk told me, yes, XXXX , XXXX got a default judgment on me. I filed my Answer, Motion to Vacate, and evidence, and file a counterclaim under the file case number on XXXX/XXXX/XXXX. XXXX , XXXX was not suppose to file default judgment without providing supported proof, and complete evidences of ownership of debt collection right, contract between Bank of America, and between me to pay them, ect. 

I want you to go after XXXX , XXXX for violations FDCPA, and XXXX consumer fraud laws. XXXX , XXXX used unfair, misleading statements, ignore my request to show proof of debt, ownership of debt, and right to collect payments, fees on debt, and right to bring sue and get a default judgment without a contract. Contract terms to fees, interest, ect. XXXX , XXXX quickly put the default judgment on public record because another lawyer contact me to offer help with bankruptcy filing. 

I only have a small veteran pension, so that is judgment proof, but the judgment has now hurt my credit ratings again. I told XXXX , XXXX this in my Answer. I want you to charge XXXX , XXXX old debt buyers heavy fines for violations, request them to remove any public and private default judgment on credit bureaus records, forbid XXXX , XXXX from selling my account information to other debt buyers, and have them remove any bad inquiries off all credit bureaus, and encourage them to pay me counterclaim fees for fraud, misrepresentations, wrongful lawsuit, and damaging character image with wrongful default judgment. 

I want you to sue them, collect my violation fees, and remove the default judgment from all public and private credit records since they got it through fraud. I filed for Motion To Vacate on XXXX/XXXX/XXXX. Our court date is on XXXX/XXXX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation