Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Final Demand for Debt Validation, Settlement, and Credit Report XXXX Dear Bank of America XXXX This letter serves as a final demand for compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Truth in Lending Act ( XXXX ), 12 C.F.R. 1026.13. Your failure to provide sufficient validation of this alleged debt within the legally required timeframe has resulted in multiple violations, which must be addressed immediately. 
Identification of FDCPA, FCRA, & TILA Violations : XXXX. Failure to Provide Proper Debt Validation ( 15 U.S.C. 1692g ( b ) ) o Despite my previous request, you failed to provide an itemized breakdown of the debt, a copy of the original contract bearing my signature, and proof of permissible purpose under the FCRA. 
o XXXX also failed to provide a valid assignment contract and bill of sale demonstrating your legal authority to collect this debt. 
XXXX. Continued Reporting of Unverified Debt ( 15 U.S.C. 1681s-2 ( b ) ) o By continuing to report this unverified debt to credit bureaus without providing the requested documentation, you are in violation of the FCRA. 
XXXX. Failure to Provide XXXX  Form XXXX ( XXXXXXXX XXXX XXXXXXXX ) o Despite my request, you have not confirmed whether a XXXX was filed for the charged-off amount exceeding {$590.00}. 
XXXX. Failure to Properly Investigate and Resolve Billing Errors ( 12 C.F.R. 1026.13 & 15 U.S.C. 1666b ) o Under TILA regulations, creditors must conduct a reasonable investigation of billing errors and provide a clear response within 30 days. Your failure to provide the requested documentation, including account details and a valid contract, violates these regulations. 
Final Demand for Immediate Resolution : To resolve this matter without further escalation, I demand the following actions : XXXX. Immediate removal of this account from my credit report due to failure to validate the debt within XXXX  days as required by law. 
XXXX. A full settlement offer, including compensation for damages resulting from illegal reporting and violations of my consumer rights. 
XXXX. Cessation of all collection activities related to this alleged debt. 
XXXX. A written confirmation from Bank of America acknowledging that this account will be removed from all credit reporting agencies and will not be resold or reassigned. 
Attachment : I have attached a copy of my previous letter XXXX in which I requested : A complete itemized breakdown of the debt A copy of the original signed contract An assignment contract and bill of sale Confirmation of whether a XXXX was filed Despite my detailed request, you have failed to provide the required documents within the XXXX timeframe. 
Legal Consequences of Non-Compliance : Failure to comply with this final demand will result in the following actions : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
A potential civil lawsuit seeking statutory damages of up to {$1000.00} per FDCPA violation, plus punitive damages for willful FCRA violations. 
Demand for attorney fees and compensation for harm caused by continued inaccurate reporting. 
Response Deadline : You have XXXX business days from receipt of this letter to comply with the above demands. If no resolution is reached, I will proceed with legal action without further notice. 
Sincerely, 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