Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

. I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding the alleged debt. The letter contained amount, plus any fees, and interest owed so far ( those were {$0.00} ). Under the Fair Debt Collection Practices Act, Section 809 ( b ), I requested validation of the debt by email by sending an email to XXXX XXXX XXXX XXXX  ( XXXX ). Email is dated XX/XX/XXXX ( deadline to reply set by XXXX XXXX XXXX XXXX  in their original letter was XX/XX/XXXX ). Email is attached to the complaint. 

. In this email, I specifically requested the following information : => The amount of the debt as received by the original creditor ; => The name and full address of the original creditor ; => Documentation proving that I have a legal obligation to pay this debt ; => Verification that the debt is within the statute of limitations. 

. In a letter dated XX/XX/XXXX, I received copies of credit card statements in return to my request for validation ( in chronological disorder ). 

. On XX/XX/XXXX, I send another email to XXXX XXXX XXXX XXXX  and gave them another chance to reply to my original debt validation, and was provided more details about what I was asking, as shown below : Why you think I owe the debt and to whom I owe it : Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. I am, in other words, requesting documentation that verifies I owe the debt, such as a copy of the original contract. 
The amount and age of the debt, including : A copy of the last billing statement only, sent to me by the original creditor ; State the amount of the debt when you obtained it, and when that was ; Tell me when the creditor claims this debt became due and when it became delinquent ; Identify the date of the last payment made on this account ; Have you made a determination that this debt is within the statute of limitations applicable to it? 
Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect the debt : I need more information about your firm before I discuss the debt with you. 
Does your firm have a debt collection license from California? If not, state why not. If so, provide the date of the license, license number, and the name, address and telephone number of the state agency issuing the license ; If you are contacting me from a place outside of the state of California : does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

. In a letter dated XX/XX/XXXX, the answer remained the same : I received copies of credit card statements, without any additional information regarding the authority of XXXX XXXX XXXX XXXX  to collect the alleged debt. 

As of today, XX/XX/XXXX, 3 months after I received the initial letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, I consider the debt has not been properly validated and its ownership verified as requested.