Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX mother noticed a withdrawal from her Bank of America account in the amount of {$5600.00}. She immediately contacted Bank of America and reported this transaction. They provided no information whatsoever. Told my mother she would have to contact their legal department. XXXX XXXX XXXX XXXX XXXXXXXX. She called and was told to contact XXXX XXXX XXXXXXXX as this was a debt but still did not tell her the name of the person the debt was against. I stepped in and contacted XXXX XXXX XXXX who told me there was a default judgment in my name XXXX XXXX in the amount of {$2800.00}. This confused me even more because I was never served any court papers about this and it still doesn't explain why {$5600.00} was removed from an account in my Mother 's name. I then went to the bank on XX/XX/XXXX and asked why nothing was sent to my mother or myself warning us about this judgment the XXXX XXXX told me that's not their job. I told her I just came from City court and they informed me that Bank of America was supposed to contact the account owners with information about the amount and any exempt funds in the account. I informed her that all funds are exempt because this is my mothers account that contains SS and Pension direct deposit. Which BOA failed to protect. I then asked for a print out of the last years transactions and a gentleman told me I have no history of transactions in my name and I also have no active bank card with BOA. The XXXX XXXX told him not to print anything up because that's not their job. If it's supposedly my account and my debt why am I not allowed this crucial history? XX/XX/XXXX mid afternoon camera footage will prove this unprofessional interaction with XXXX. The gentleman that was assisting us was being trained by XXXX because he never dealt with the issue before. He was very pleasant, informative, helpful and very professional. I want to make that known. My mother and I then left the bank with no new information or assistance. I contacted XXXXXXXX XXXX XXXXXXXX and told them about the exempt funds and upon further investigation I found I reported this fraudulent XXXX credit card to XXXX in XXXX and asked for this to be closed and investigated. I also sent an email to XXXXXXXX XXXX XXXXXXXX in XXXX denying this credit card. I recently sent them a screenshot of the credit card on my Credit report and the amount past due says {$700.00} and asked for a legal explanation as to why the garnished 8 times the alleged amount owed {$5600.00} from an account that has no activity fron me and strictly pension and ss direct deposit? I still have not received the money or an explanation. My mother is XXXX XXXX XXXX and has little income. XXXX is being held from her due to incompetent fraudulent actions. She is stressed about needing money in case of an emergency and has had to cancel a Florida vacation due to lack of funds and other planned outings. All parties involved have committed fraud. The bank sent papers about this judgment to my mom on XXXX after our XX/XX/XXXX bank visit when the funds were already removed. ( covering their butts ) City court papers state the default judgment was awarded on XX/XX/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 monetary relief