Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XX/XX/XXXX, Bank of America repossessed my vehicle - a result from XXXX of their employees cashing my money orders being sent it, who was also the representative who I spoke with in XX/XX/XXXX that provided me with the PO Box address to send the payments to ( a rep with a XXXX name and accent ). I knew it was them because I always sent my payments via Certified mail and saw who signed for them and it was the same rep who gave me their name during the call on their recorded line in XX/XX/XXXX. In XX/XX/XXXX, I spoke to a rep from the company they used to repossess vehicles and told them I know for a fact if anything, there should be a credit on my account, as the last money order I sent in XX/XX/XXXX would have paid my vehicle up until the end of that year, XX/XX/XXXX. In XX/XX/XXXX, I mailed Bank of America a copy of XXXX taken from the XXXX XXXX website and it proved to them the person who spoke with me on their recorded line in XX/XX/XXXX was the one who had signed for the money orders I sent Certified mail. After I proved one of their internal employees had committed fraud which resulted in my vehicle be repossessed and didn't receive an apology, but silence from them until I receive a Notice of Deficiency Waiver from the IRS regarding some Increase in Tax from a Cancellation of Debt from Bank of America, N.A., XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. This is a fraudulent mark on my IRS account and the notice from the IRS is a very threatening letter XXXX as I informed them of the same thing I have just stated regarding the Bank of America employee being the one on the recorded line in XX/XX/XXXX and the one who signed for ALL of my Certified mailings of the money orders ). Since XXXX, I have unfortunately moved 3 times and now reside in XXXX, MD and have not had the items sent to Bank of America since the Spring of XXXX ( as when they ceased their weekly communication with me as of XX/XX/XXXX when they were caught in a lie, I had not heard anything else from them and figured they knew they tried to scam the right consumer ( as I was literally being harassed on a weekly basis until I sent them the proof of the person who signed for the certified mail at the address that same rep provided me in XX/XX/XXXX ). This is very embarrassing, as I have NEVER had any IRS negative marks since I stared working in the Spring of XXXX when I graduated with my XXXX degree and I do not need this scam to possibly jeopardize my Federal Government clearance. This scam from Bank of America and their employee who has no morals has gone on long enough and now that it has been received at the IRS, I want it handled and the maximum fine imposed and any civil fines as well, as you can not go " ghost '' for nearly 11 years and then falsify information to the IRS, that is not acceptable and I will not tolerate it. I will pay the amount on the Notice from the IRS, but know for a fact I do not owe it because they were caught in a scam, ceased communication for almost 11 years and now are trying to resurface again. Not today XXXX.

Company response to consumer: Closed with explanation