Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
My husband and I have been separated since XX/XX/XXXX ( we are currently going through divorce ). We purchase his XXXX XXXX XXXX on XX/XX/XXXX. When he was removed from our marital home because of domestic XXXX, he was already XXXX or XXXX months late on his payments. When he was removed from our marital home on XX/XX/XXXX via restraining order, he left and I do not know where he is, where he lives and he set up a PO Box so all mail goes there and he refuses to tell me or his kids his physical address. He communicates with me only through his attorney. In mediation, his attorney was made aware of this debt, his non payments and that it was an issue he needs to address but he refuses. When Ive received letters and calls from Bank of America, I cant give them any information that is current or up to date on his where about so they can at least repossess the truck. The last time I spoke to them in XXXX of XXXX, I did give them his employers name and address and the shift he works. They said that situation can be tricky because of trespassing and other legal jargon. I followed up with them a few days later and they never went to his work, and on XX/XX/XXXX at XXXX pm, a repo truck showed up to my house looking for the truck. My ring camera saw them walk my entire property, peep in all the windows and doors and sat in XXXX XXXX way for XXXX minutes. BOA was well aware of my situation, that I was no contact bc of XXXX and they still sent XXXX men to my home to XXXX around. It was very creepy considering the history. He has only made XXXX truck payment ( his monthly payment is $ XXXX ) since he left our marital home in XX/XX/XXXX. He made that XXXX payment on XX/XX/XXXX and the following XXXX Bank of America charged the loan off on XX/XX/XXXX. The Account charged off amount was {$22000.00}. 
BOA has refused my requests to pick it up where he works and I can not financially mangage a second car payment on top of everything and for a truck that is essentially missing. This is detrimental to me for XXXX, I require a secret federal government clearance and was investigated for months due to this issue. And second, It is negatively affecting my credit each month. I can not get him to sign divorce paperwork, the court has asked him for the last time to show up to sign documents on XX/XX/XXXX but he probably wont and this vicious cycle will continue and keep ruining my credit. If our divorce is finalized, I am taking over the mortgage but MUST refinance within XXXX year of that file date and that will be impossible if this debt is not wiped clean from my report. I am a single parent, with XXXX kids, XXXX dogs and we need a home, my ex is belligerent and financially abusive and is doing this intentionally so that in the end, I will not be able to stay here with the kids because my credit is unrepairable because of his actions. He also does not have insurance on the truck, he cancelled it after he left or I would see if it was a possibility to file it as lost or stolen. Please help. Thank you so much for your attention to this matter.

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