Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am deeply grateful to my banker for introducing me to this website where my frustrations and pain since XX/XX/XXXX, can finally be addressed. 

As the attachments accompanying this submission show, on XX/XX/XXXX, I paid {$70.00} ( XXXX dollars only ) by check from my bank towards a credit card issued to me by Bank of America ( BoA ). Please see attached ( Exhibit # XXXX ). Unfortunately, the receiving clerk at BoA issued me a receipt for {$7.00} ( XXXX dollars only ) instead of the {$70.00} I paid ( Exhibit # XXXX ). Her response to my protest was that the record would reflect the correct amount when my check was cashed by her bank ( BoA )! I naively believed her. So started my nightmare which has lasted to this day. 

Since then, I have been continuously harassed by credit services and agents of Bank of America ( BoA ) like XXXX XXXX XXXX ( Exhibit # XXXX ). Please notice from the attached Affidavit sworn to by an officer of Bank of America on XX/XX/XXXX, that despite all the threats and harassment from agents of Bank of America, I continued to make payments to the account until XX/XX/XXXX ( Exhibit # XXXX ). I must here report that when I sensed the hopelessness of ever securing a review of my case and the ever-increasing threat by agents of BoA and its attorneys, I decided to suspend any further payments until I have a sympathetic audience to at least listen to my case.

A sampling of this deep-seated and mindless corporate harassment includes the following : 1. The cited Affidavit by the officer of BoA dated XX/XX/XXXX in which she admitted that I continued my payment to the account from XX/XX/XXXX, XXXX XXXX, XXXX ( Exhibit # XXXX ). 
2. My reply to the threat to my person and credit by one XXXX XXXX XXXX claiming to be agents of BoA on XX/XX/XXXX ( See Exhibit # XXXX ). I explained to them exactly what is now restated in paragraph 2 of this letter. Unfortunately, they conveniently ignored that piece of information hence the continued harassment of my person and family. 
XXXX. Also, on XX/XX/XXXX, I received a Warrant in Debt from agents from another law firm who claim to represent Bank of America ( Exhibits # XXXX & XXXX  ). I sent them the pieces of information already canvassed in paragraph # XXXX above. Unfortunately, they too ignored the evidence adduced and placed before them. Please see my letter of XX/XX/XXXX ( Exhibits # XXXX, XXXX & XXXX attached ). 
XXXX. I was again sued on XX/XX/XXXX. This time, a GARNISHMENT SUMMONS was generated on behalf of BoA by another law firm for a total balance due of {$1800.00}. ( Exhibit # XXXX ). 
XXXX. On XX/XX/XXXX, I wrote a letter ( Exhibit # XXXX ) to this law firm explaining my predicament and the impact of their unwillingness to truthfully examine my case before taking punitive steps against me. As expected, I got no other response from them.

Please notice that in all the above, at no time did Bank of America acknowledge the mistake their clerk made ab initio that has : 1. Ruined my credit that was excellent before this unfortunate event 5 years ago.

2. Effectively shut me out of credit facilities for 5 years and counting. 
3. Subjected me and my family ad nauseam to continuous harassment, and threats of lawsuits by Agents and Attorneys who claim to represent and work for Bank of America.

I am deeply grateful to officials in my bank who, after reviewing my case, were gracious enough to inform me about the hope and speedy resolution people in my situation have received from your Agency. Thank you in advance. Please let me know if you have any questions. 


Best Regards

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 monetary relief