Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is an official complaint against Bank of America ( BOA ) and its collection agency, XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, I contacted XXXX by phone to amicably settle my debt with BOA. XXXX XXXX XXXX who is a Customer Service Representative with XXXX took my incoming phone call. During my recorded phone conversation with XXXX XXXX, I was " ambushed '' with a bombardment of verbal abuse, constant harassment, malicious acts of intimidation and a strong sense of retaliation all because I failed to pay my debt to BOA. Also, within the attached settlement letters of XXXX, I was subjected to several deceptive, misleading and unfair collection efforts as I 've indicated below : ( 1 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX for a 30-day deadline of XX/XX/XXXX to settle my debt with BOA. XXXX XXXX verbally agreed but he ultimately denied my request in writing by unfairly punishing me with a same day deadline of XX/XX/XXXX. See attachment letter. ( 2 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he verbally denied my request and he vindictively gave me a deadline date of XX/XX/XXXX. See attachment letter. ( 3 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he rudely hung up the phone on me when I informed him that I would file a Federal Trade Commission ( FTC ) complaint against him and XXXX. ( 4 ) On my 4th attempt to settle my debt, which was also on XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX. Fortunately, once XXXX XXXX learned that I would file a FTC complaint against XXXX, he quickly agreed to send me a correction settlement letter with a deadline date of XX/XX/XXXX. See attachment letter. ( 5 ) During my same above phone call with XXXX on XX/XX/XXXX, I repeatedly asked XXXX XXXX to make an amendment to the below listed 2nd statement that is located on the first page of my XXXX letter, but I was constantly denied. This following 2nd statement is extremely misleading and it clearly implies that I have to make a 2nd payment to settle my debt : " To accept this settlement offer, our office must receive the first payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer  notice. '' Please be advised that I repeatedly asked XXXX XXXX to make the following correction to the above quoted statement, but I was constantly denied : " To accept this settlement offer, our office must receive the first and final payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer notice. '' Clearly, BOA and XXXX has engaged in a conspiracy to bully, deceive and invoke fear upon me in order to aggressively collect a debt. These corrupt activities by BOA and XXXX is a direct violation of the Fair Debt Collection Practices Act.

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 non-monetary relief