Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX Refile with updated information ; Subject : Voided Bank of America Settlement Agreement and False Defaults ; On XX/XX/XXXX, I telephoned Bank of America to inquire about my XXXX 1099 tax document. 

During this call, I was informed that my debt settlement was in default. But, my review of the records reveal that Bank of America created two false defaults. 

I was confused as to why Bank of America created the false defaults when my banking account is active and in good standing. Furthermore, I received no postal letter of my arrears until after my complaint to the CFPB. 

While I am not suggesting that Bank of America is harassing me, the situation gives the impression of harassment, particularly if Bank of America 's actions result in negative consequences. 

If this is the case, I believe that Bank of America may be violating my civil property rights with the intent to cause the loss of my home through the deception of false defaults. 

Moreover, I suspect that Bank of America may be conspiring with one or more persons to do so in this matter. 

**Timeline of Events : ** -** XX/XX/XXXX : ** Discovery, by telephone, that Bank of America created my 1st false default in XX/XX/XXXX. 

-**XXXX  XXXX : ** Out-of-date installment agreement received from Bank of America. ( attached ) -**XXXX  XXXX : ** Discovery of perhaps my 2nd false default as the postal letter was received on XX/XX/XXXX. But the letter requested payment by XX/XX/XXXX. 

- XXXX XXXX : ** Electronic payment accepted by Bank of America on installment agreement. 

- XXXX XXXX : ** Bank of America fails to collect my installment payment creating a false default. 

- XXXX XXXX : ** Bank of America voids my installment agreement. Again creating my 1st false default. 

- XXXX XXXX : ** 1st false default created by Bank of America XXXX 

Given the seriousness of these issues, I believe the Consumer Financial Protection Bureau ( CFPB ) has a crucial role in the American society. Thank you for your attention to this matter. 

I look forward to your report. 

# # # 1. **About the Default : ** - Why is my settlement marked as " in default '' when my checking account is active and Bank of America failed to collect the payment? 

- At the time, why wasn't I notified in writing about the default or any outstanding balance? I had no knowledge of the default until XX/XX/XXXX. 

- What led to the creation of the false default? 

# # # 2. **About the Settlement Agreement : ** - Why was my agreement voided in XX/XX/XXXX? 

Thank you. 
XXXX XXXX Note : On XX/XX/XXXX I spoke with CFPB representative XXXX. 
XXXX stated the only way to update the complaint is to withdrawal it. 
Recently, I have done so several times and I believe this to be the final version. 

Thank you for serving the American public. 
I am grateful. 

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