Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing to you to let you know that Bank of America sent my debts to collection despite my attempts seeking help from the bank regarding my defaulted credits cards. 
The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit card ending XXXX Background about the problem : I used to have very good/Excellent credit score most of the time, until the XXXXXXXX XXXX XXXX when my business struggled to survive because of the shutdown and all problems related to the opening of the economy, restrictionsXXXX 

to survive and manage my financial situation I opened many credit cards to use trying to resolve my needs. 
Everything was great and I kept paying monthly payments for all accounts that I had not only with Bank of America but with other financial institutions. 

I tried to get my business back and I filed two times with some agencies that I used to work with but because the process of approval of the contracts changed my fillings were rejected and I am still working to get one of the contract back so far. 

Because I felt that my financial situation is getting worse I contacted all my debtors to let them know about my hardship and seeking help regarding lowering my interest or balance or payment plan. 

Many of the financial institutions helped and I am already in a payment plan with five of them including IRS, except Bank of America. 

I called Bank of America three times in the past before even sending the debts to collection seeking help from them. The agents that I talked with refuses to help at all but they warned me that if the payments are not received on the due dates the accounts will keep charged and interests added. 

after many attempts to resolve the issue with Bank of America I gave up because I do not know what else I can do, until recently I received a letter from Bank of America about my debt collection when I signed in to my bank of America account I found out that my debt was sent to debt collector. 

I do not know exactly why the bank did that given that I explained to it my situation and I requested already a payment plan beforehand. 

I tried to look at al the statements online and I can not find the feature allowing me to download my statements related to my credit cards at all. 

I remember contacting the bank asking for help but the agents told me that the accounts will keep charged off regardless. 

I never had any situation like this before at all, all my passed obligations regarding any credit cards opened under my name or my business name was paid in full and on time until the pandemic hit and my financial problems started. 

I need help navigating this problem and I want my rights as a consumer to be protected.

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