Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was previously using my Bank of America credit card regularly. Eventually, I noticed there were transactions made that I did not recognize. I called asking to do stop payments on those transactions, and eventually stopped using the card completely. I made consistent payments on the balance because I did make roughly {$2200.00} of transactions on the account. After about 3 months of just paying without checking the transactions, I noticed my balance was getting higher and higher. I reached out again in an attempt to find out what was going on and what could help. There were some disputed transactions but eventually it became too much for me to financially handle. It was later revealed to me that my information was obtained through a data breach with XXXX, and I reached out to my bank again to notify them. They told me they could settle for just the {$2200.00} I made in valid purchases and that they would send the details of that settlement to me via email. Again, nothing came from it & I was still obligated to make payments on the full balance, which I couldnt do anymore from being furloughed during the government shutdown. They reached out via mail letting me know my account was closed in XXXX. Then I got 3 letters from attorneys stating I had a debt collection case against me from XXXX and Associates on behalf of Bank of America wanting all money owed. I checked the XXXX XXXX public records and did not find any pending cases against me, nor have I received any communication after the letter from XXXX ( received it in XXXX ) XXXX. When I had free money I made another payment from my account in XXXX of XXXX, but still communicated that I was a victim of theft and that the balance should have been lowered. I finally called XXXX XXXX XXXX XXXX to find out more details and to attempt getting something in writing about what was going on but they gave me a hassle every step of the way. One person even stated it was my fault I owed so much money so I should just pay it in an extremely insensitive and condescending manner. The only communication thus far that Ive received from XXXX XXXX is an agreement that they wont pursue court mitigation if I agree to pay {$190.00} for 24 months to cover the entire balance reported by Bank of America. Ive made a total of {$190.00} in payments since receiving the agreement but I still feel like this is just wrong. Im being threatened with lawsuits, threatened with someone coming to my home, demanded to pay money on something I did not use, shown absolutely no evidence that says Im liable for the debts, being spoken to in the most inhumane manner .. I just want this to be taken off my back. Im admitting that yes, roughly XXXX of those dollars are my own doing. But its beyond ridiculous to obligate me to paying for {$4600.00} worth of transactions I did not make and advised of immediately after noticing.

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