Consumer complaint received 2026-03-17 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:
CFPB Complaint New Debt Collector XXXX XXXX Failed to Validate/ FDCPA & FCRA Violations Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am filing this complaint against XXXX XXXX XXXX XXXX, who has begun contacting me regarding an alleged Bank of America debt. This complaint also includes a follow-up violation by XXXX XXXX XXXX XXXX XXXX, the prior collector on this account, in connection with my prior CFPB complaint No. XXXX. -- - PART 1 : XXXXXXXX XXXX SERVICES FAILED TO DELIVER VALIDATION -- - In response to my prior CFPB complaint ( No. XXXX ), XXXX XXXX XXXX XXXX XXXX sent a written response dated XX/XX/year>, in which they : - Acknowledged receiving my debt validation request - Stated they had requested verification documents from their client ( Bank of America ) - Promised those documents would be forwarded directly to me upon receipt - Confirmed they suspended all collection activity in the interim As of the date of this complaint, XXXX XXXX XXXX has NEVER sent me the promised validation documents. This is a direct violation of FDCPA 15 U.S.C. 1692g ( b ), which requires that collection activity cease until validation is provided. XXXX made a written commitment to the CFPB and the consumer and failed to honor it. This is documented in their own XX/XX/year> response letter on file with the CFPB. -- - PART 2 : XXXX XXXX XXXX XXXX COLLECTING ON AN UNVALIDATED DEBT -- - Shortly after XXXX suspended activity and before any validation was ever provided XXXX XXXX XXXX XXXX began contacting me regarding the same alleged Bank of America debt. This raises the following violations : 1. FDCPA Violation 15 U.S.C. 1692g : The debt has never been validated by any party. XXXX XXXX XXXX XXXX is attempting to collect on an account where a validation request has been outstanding since before XX/XX/year>. Collection activity on an unvalidated debt is a direct violation of the FDCPA. 2. Account XXXX / Harassment 15 U.S.C. 1692d : This account has been transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX while my validation request remains completely unanswered. Passing this account to a new collector appears to be a deliberate attempt to restart collection pressure and circumvent my statutory rights under the FDCPA. 3. FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Any reporting of this unverified and unvalidated debt to XXXX, XXXX, or XXXX by any party constitutes the furnishing of inaccurate or unverified information, which is prohibited under the Fair Credit Reporting Act. -- - VALIDATION DOCUMENTS REQUESTED FROM XXXX XXXX XXXX XXXX -- - I am formally requesting XXXX XXXX XXXX XXXX provide the following : - Written proof that this debt belongs to me - Proof of their legal authority to collect this debt on behalf of Bank of America - Full itemization of the balance including all fees and interest - A copy of the original credit agreement bearing my signature - Complete chain of assignment showing how this account transferred from Bank of America to XXXX XXXX XXXX to XXXX XXXX XXXX XXXX

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