Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I got a call from son stating around {$7000.00} came out of his savings account, XXXX separate transactions. He called the bank himself trying to find out what it was in regards to. They told him it was something having to do with me so I would have to call. I called myself, they informed me it was a court order garnishment. They gave me the information for the court to call and get further information. I then called the court and found out what it was and I told them it came out of my sons account and that it was his money that was taken. She proceeded to tell me I could file an exemption to have the money returned. She emailed the forms to me and told me the financial institution fills out a section, I fill out my part and then I need to have it notarized then the bank has to send it to the court. In the meantime my son asked about having my name taken off the account, they said we had to go in together to a branch to do so. I printed out the forms to bring in the same time to have the accounts fixed with his name. We went to the branch the following sat which was XX/XX/XXXX and we sat with a team of XXXX people at one point for nearly 3 hours to have my name removed from his accounts. Nobody at the branch could figure out how and why my name was on there and it took the 3 hrs to get my name off. After that was done I then proceeded to discuss the issue of the exemption and explained to the gentleman what the girl from court told me that needed to be done. He said they dont deal with those forms, but filled in the info didnt not notarize my signature just told me to sign it, then even after giving him the fax number and writing it at the top he sent it to the wrong dept. 
XXXX  I got a voicemail from a woman at the courthouse that said she received the forms, but they were sent to the wrong office. So I repeatedly tried to fax the forms myself all week to the correct number. I finally got a call on XXXX  from the courthouse that they received the form, but it was not notarized, nor did it come directly from the bank. I proceeded to tell the woman that I gave the gentleman the fax number and told him that you guys told me it needed to be notarized and they wouldnt do it. She informed me I needed to print out new forms and bring them back to the financial institution to have them fill out their portion and have them notarized my signature and resend it in. So that XXXX  I called the bank told them the situation and made an appointment for that Saturday with the vice president who is the notary. I went back to the bank XX/XX/XXXX Saturday, and saw XXXX XXXX, vice president and notary and told her they needed to fill out their portion of the form, and I needed to sign and she needed to notarize and it needed to be sent into the number that I gave her. She said they do not deal with that type of form. She had me fill out the information again did not notarize it again and said she had to send it into her legal department. She told me to have my son check his account within 2 to 3 days and the money should be back in there. Friday the XXXX. I asked my son to check his account to see if the money was in and he said it was not. I then called XXXX back on XX/XX/XXXX, XXXX  and told her the money was not in his account. If she could check the status on it she said that department wasnt open over the weekend. She would do so on XXXX  and call me. 
On Monday the XXXX XXXX I got a call from the XXXX XXXX at the court stating she got forms but it didnt look like it was being processed in the court, she gave me the number for the legal department for Bank of America and suggested I call them. I called the legal department told him the situation and was told to call back in a couple of days. I called the bank left a message for XXXX XXXX to give me a call with an update. She called me back and left me a voicemail that she needed all of my information to check on the status so she didnt save any information even though she said she was going to call the legal department and find out the status for me. I spoke with her at one point telling her the court system, said that they received the forms again, not filled out properly and not notarized. I then got on the phone with the courthouse told her the issue I was having in the runaround she told me to come down to the courthouse myself with the forms, and they will notarize them there for me, and give me a date for hearing. 
I got a hearing date for XX/XX/XXXX th. In the meantime I spoke with bank or America legal dept. and explained the situation I was having and just trying to have my sons money returned to him, mainly I was trying to take out the middle man which was the vice president at the bank because she really wasnt doing a great job at this point of trying to help us out. I got a representative on the phone at the legal department that at XXXX point noticed that there was an error made by the bank and told me she was sending this up to management and was having this escalated. This was a XXXX  and she told me to give it at least until the following XXXX  so that would have enough time to gather info. 
I called back that tue and was told there was no update to call back thur because they were closed XXXX. I had my hearing XX/XX/XXXX th XXXX  morning and was told by the lawyer that i needed something from the bank proving that I had no rights to the money. I then immediately got on the phone to the bank spoke with XXXX and told her a needed some sort of proof that this money did not belong to me, a sig card from when he opened it or something, she told me she could print out XXXX Mo worth of statements and that all she could give me. I picked up the statements and realized that wasnt going to work because obviously my name was on them except for XXXX when it was removed following my son and myself going in. I got on the phone with the lawyers office and the courts and explained I was trying my best to get whatever information I could to send in to both the lawyer and courts. I spoke with legal dept for Bank of America Friday XX/XX/XXXX th and was told there was nothing that could be done because at the time that my son opened the savings acct he was still a minor so my name gets attached as a gaurdian. I asked what I could get that would be sufficient proof and they suggested an affidavit from my son stating that he was sole owner of the account and I had no access or right to the money. I now at this point reach out to the attorney and suggested this and he stated that this would do. He then in turn suggested that the bank be able to retro back to when the account was opened and remove my name from that point. 
On XX/XX/XXXX I left a message for XXXX XXXX asking for this. XX/XX/XXXX I called legal dept and asked for the account to be retroactive removing my name from when it was opened. T I was told due to the fact there is a court order the account cant be touched. My issue is it has already been adjusted due to the fact that they took my name off XXXX after there already was an in order in effect, the legal team says the financial institution did that in error and should not have, but it was done. 
There is no explanation now that if they made the error in the first place why they cant just retro it. They can go back all these years and see there was no activity at all as far as myself and this account. 
All Im asking is for Bank of America to fix this issue, I didnt sign anything I have no card no transactions in bank or atm or otherwise for this account. There has to be something that can be done on their end to fix this huge issue as far as my name being in that account in the first place.