Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am writing to report the debt collector law firm XXXX XXXX XXXX XXXX XXXX located in XXXX, XXXX, mailing address XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX ; office address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, for unethical business practices and below standard customer services. Around XX/XX/XXXX, I received notice of XXXX XXXX XXXX attempt to collect and/or resolve two credit card debts on behalf of Bank of America . I became aware of XXXX XXXX XXXX attempts when I was visiting my mother in XXXX  and sorting through old mail. At the time, I was living and working full-time in the state of XXXX. XXXX XXXX XXXX XXXX XXXX mailed the letters to my mothers address. One letter was dated XX/XX/XXXX and referenced a Bank of America Credit Card ( CC ) with the debt total of {$5000.00}. It included a brief summary of my outstanding balance and activity from XX/XX/XXXX to date of their letter : As of XX/XX/XXXX, I owed {$5000.00} and paid or were credited : {$200.00}, leaving the total amount of the debt now : {$4800.00}. XXXX XXXX XXXX gave this debt Reference Number XXXX. The second letter was dated XX/XX/XXXX and referenced Bank of America ( BOA ) CC with the total debt of {$7000.00}. It included a brief summary of the outstanding balance and activity from XX/XX/XXXX to XX/XX/XXXX, stating : As of XX/XX/XXXX I owed XXXX, between XX/XX/XXXX and XX/XX/XXXX I paid or were credited : {$300.00}, leaving the total amount of debt now : {$6700.00}. This debt was given Reference Number XXXX. 

I spoke with a Bank of America representative to confirm my debts were transferred to XXXX XXXX XXXX XXXX XXXX. After confirmation, I called XXXX XXXX XXXX office in effort to resolve the debts and establish a payment plan. My first attempt to reconcile my debts went unanswered. I called their office, twice, and nobody answered. After three rings, I was sent to automated voicemail. I left a detailed voice message that included my full name, contact information, and brief explanation of my reasons for calling. I stated I wanted to resolve the BOA CC debts. I also referenced the conversation I had with the Bank of America representative. I asked XXXX XXXX XXXX to return my call and informed them to leave a voice message in the event I missed their call so I could call their office back upon receipt. I waited 48 hours plus the weekend for XXXX XXXX XXXX representatives to return my calls, but they did not. 
While waiting for XXXX XXXX XXXX to return my call, I submitted two payments to show my willingness and effort to resolve the matter. The two payments were submitted by mail, from my XXXX  address, in the form of money orders. I mailed the payments on XX/XX/XXXX. The first money order was in the amount of {$100.00} and paid toward the {$6700.00} debt. The second money order was in the amount of {$100.00} and paid toward the {$4800.00} debt. I tracked the status of the two money orders and learned both money orders were received/cashed on XX/XX/XXXX. However, when I logged on the XXXX XXXX XXXX payment portal to track the debts and payments, my account did not reflect those payments. The portal stated no activity and no history of payments. Again, I attempted to call their office and was met with voicemail. My online account continued to show NO ACTIVITY and NO HISTORY OF PAYMENT for XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX XXXX representatives never returned my calls. 
On XX/XX/XXXX, I was served notice of XXXX XXXX XXXX XXXX XXXX Complaint ( Cause No : XXXX ). I was served at my mothers house around XXXX. The complaint had a filing date of XX/XX/XXXX and referenced only one credit card account debt : BOA CC with the reduced debt of {$6600.00}. The Affidavit attached states Defendant owes {$6600.00} on the Account. This amount includes the balance at charge-off of {$7000.00}, post-charge-off interest of {$0.00}, post-charge-off fees or other account charges of XXXX, less any post-charge off credits made by or on behalf of the Defendant of {$400.00}. Though the Complaint reflects my mailed-in payment ( {$100.00} ), I was unaware of their acknowledgment because their online portal inaccurately reported the debt and their representatives did not return my calls. The Complaint also contained an attached Exhibit ( XXXX. XXXX ), which were copies of my old, outstanding credit card statements dating XX/XX/XXXX- XX/XX/XXXX. The Exhibit showed my account was open and had made monthly payments but those payments were below the minimum amount due. The Complaint does not show receipt/record of my XX/XX/XXXX mailed-in payments. This omission is deceptive because it implies that I acquiesced in resolving the matter. 
For the following reasons, I believe XXXX XXXX XXXX actions in resolving this matter were unprofessional and below industry standards : XXXX XXXX XXXX ( 1 ) did not answer their office phone during regular business hours on multiple occasions ; ( 2 ) did not return my missed phone calls after receiving my voice message requesting a follow-up to resolve/discuss the matter ; ( 3 ) processed/cashed my mailed-in payments but failed to update my online account information to accurately reflect payments ; and ( 4 ) disregarded my good faith effort to resolve the matter without the Courts interference. 
XXXX XXXX XXXX also engaged in unethical business practices. I called XXXX XXXX XXXX office multiple times and left a voice message asking a representative to call me back to discuss the owed debts and payment plan. Though they did not return my calls, I wanted to show my willingness to resolve the debts and make payments. In good faith, I purchased two money orders and mailed-in payments. XXXX XXXX XXXX processed the payments, but again failed to follow-up and call to establish a payment plan. They also failed to update my online account information to show payment receipts. Instead, they filed a Complaint containing an intentional misrepresentation of my actions in resolving this matter and deceptive information regarding the outstanding credit card balance and payments. Their actions were made in bad faith. They ignored all opportunities to discuss and resolve the debts with a predictable payment plan. They went straight to the court to file a complaint implying my unwillingness to resolve the debt. This is a gross display of the disparity in bargaining power. 
Following service, I attempted to make a payment through the online portal with my debit card, but XXXX XXXX XXXX has restricted online payments to checks. I do not have checks. I would like to resolve this matter amicably and without the court. Both parties want the same thing.

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