Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I moved to XXXX XXXX XXXX, in Texas. From XXXX XXXX, New York. I had planned in moving here since XX/XX/XXXX. But had to wait on immigration papers. 

On XX/XX/XXXX, at exactly XXXX XXXX my XXXX XXXX XXXX was removed from : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Texas. 

I ran down the road after a man with a beard who towed it away who promised me that he would return it immediately. As I walked back trusting he would return my vehicle. I was on the phone with XXXX and upon getting back realized he just drove off with my truck. Police stated they had been notified of a repossession by XXXX XXXX XXXX XXXX in XXXX, Texas. I am completely heart broken. I not only found evidence of TDPA but I also suspect law enforcement and other influences that could have contributed towards this action. 

I have consistently paid for my white XXXX  XXXX since its purchase on XX/XX/XXXX. I put down {$2000.00} at moment of buying which I did not see reflected on my statement in the beginning. 

The XXXX XXXX truck was the beginning of a dream that I have had of buying a horse hauler with living quarters. Start a small business transporting rescue equines yet after the purchase of this truck, I felt targeted. My payments towards the truck, towards child support, towards credit card payments, and towards house bills would not affect my credit score. Basically my credit score remained at XXXX or XXXX since then. This XXXX is an error code in the internet. It felt to me I was being played and that aspect hasnt yet stopped. My credit score remains the same. Instead of investing in my creative career, I spend most my afternoons trying to resolve many matters, my truck amongst these things. At such low score I could not be approved to purchase anything else. 

From XXXX to XXXX I paid {$1400.00} monthly, but in XX/XX/XXXX I requested a reduction in my monthly by surrendering an insurance called XXXX XXXX which added {$9800.00} dollars and brought my monthly down to {$930.00} from {$1200.00}. And thats the amount I paid since. Yet in XX/XX/XXXX I began to receive calls from mainly XXXX  voices who requested I pay the full amount monthly which was {$1200.00}. They called at off hours. They called on weekends, very late, or very early in the morning. And they made strange tongue noises during calls. I thought that was a scam. 

When my truck was removed on XX/XX/XXXX. I really felt heartbroken but also bullied, deceived, and deprived of the goods I had sacrificed so much to pay off. I love this truck and I want it back. 

Between XX/XX/XXXX and XX/XX/XXXX I was told that my payment was to be made in cash or cashiers check for the amount of {$6900.00} on XX/XX/XXXX. Upon which I immediately was told that I needed to make another {$1200.00} payment. But I was already on my way to pick up my truck. I therefore submitted a check of {$1300.00} to Bank of America which now I am told it did not clear. But that is a lie! 

The payment that I made for {$6900.00} was not deposited to my Bank of America loan account. When I call I do not feel I am talking to Bank of America anymore. And any further payment to Bank of America will not return my truck. Even at the post office, the woman stated my urgent mail yesterday to Bank of America was invalid and would be returned. I feel in every way ambushed, and foolish. I have called the Courts in XXXX XXXX and XXXX having been promised a call back. I did not get any call back. 

I want my XXXX XXXX returned to me. I also want the {$6900.00} to be reflected as payment, and Bank of America to answer to means of a scam that deprived me of my vehicle, of my goals with that vehicle, and put me in a difficult situation since I must find work. I have called Bank of America almost everyday and I am treated with hostility and informed the vehicle has already been auctioned off and I will just get a Notice of Sale. 

I owe nothing on the vehicle anymore. Kindly intervene so that I can get it back. 

XXXX 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