bank of America called me at a time inconvenient to me ( post XXXX evenings ) about a XXXX visa debt I owe. XXXX ending in XXXX and XXXX ending in XXXX. I only have XXXX debt with bank of America after a few minutes of the representative trying to collect on both debts I said to her I did n't have XXXX debts and she asked me to hold and came back and apologized and said I only owe the XXXX debt and she was sorry about the mistake. I do n't believe according to the fdcpa that a XXXX party can attempt to collect a debt that does n't exist. I asked for a supervisor as I was not comfortable with the situation I explained to the supervisor what happened and that the XXXX rep refused to accept me on a hardship program because I have no income. I own nothing and I am unable to work due to XXXX months of XXXX and XXXX. I have currently applied for XXXX and explained all this to bank of America ( at this point supervisor XXXX ). I explained to them that I live with my spouse whom works, pays on our home and bills like electric and whatnot. I could borrow XXXX $ a month from her and pay on the account now that they are only trying to collect on the legitimate account, not the other fake account or what ever it was they tried to pull over my eyes with the XXXX representative. BANK OF AMERICA OUT RIGHT REFUSED TO ACCEPT HARDSHIP PAYMENTS FROM ME BECAUSE I HAVE NO INCOME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ISNT THAT THE PURPOSE OF A HARDSHIP ... ..BANK OF AMERICA SAID UNLESS I HAVE AN INCOME I DONT QUALIFY FOR HARDSHIP, NO INCOME IS HARDSHIP DEFINED!!!!!!!! 
I understand that the CFPB ruled XXXX parties must follow the fdcpa just like a collection agency would. Yet bank of America called at a time inconvenient to me, tried to collect on XXXX debts XXXX legitimate the other????? I have no clue except they are trying to scare me or scam me ... 

On Bank of Americas hardship program they lower interest and stop over limit and late fees so that the money you pay is actually going towards your debt. by refusing to enter me into this program means the XXXX I borrow from my wife to pay toward my XXXX legitimate debt will not even cover the interest being accrued on the debt because they wont accept me as a hardship ... .. I really want to pay towards my debt but not to fall further behind every month.. 

IMAGINE ALL THE BANK OF AMERICA CUSTOMERS WHO WERE JUST TREATED LIKE I WAS. THAT WERE REFUSED A HARDSHIP PAYMENT BECAUSE OF INCOME TO DEBT RATIOS ... .... THATS WHY CUSTOMERS ARE IN THE FINANCIAL CRISIS THEY ARE IN BECAUSE BIG BANKS ALWAYS RUN OVER THE LITTLE GUYS BECAUSE THEY CANI sincerely hope that the CFPB looks into the hardship policies of bank of America as they are counter productive by refusing hardship payments of customers that want to pay and go directly against the spirit of the CFPB and its role as a protection from aggressive dishonest creditors. So they refused the hardship payment offered and said they would take it as a regular payment against the account with none of the benefits of a hardship plan. I offered a XXXX $ a month hardship payment and it was refused XXXXcheck bank of Americas recordings XXXX eastern to my home number on todays date XXXX/XXXX/2015. XXXXand according to the fdcpa that XXXX parties are now required to follow if a payment is refused the debt must be vacated. Please also have my debt vacated as they refused to accept hardship payments from me. 
please help me and likely XXXX of other based on bank of Americas size be allowed to pay on their debts on a hardship program.