Debt collection -- Written notification about debt -- Complaint #19182192
Bank of America Accused of Insufficient Debt Verification Information
Complaint Overview
Complaint ID: 19182192
Company: Bank Of America, National Association
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Georgia
ZIP Code: 30315
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The consumer's claim of not receiving adequate information to verify the debt could indicate potential violations of debt collection regulations, requiring further investigation.
Consumer Sentiment: neutral
Topics: Debt collection, Credit card debt, Debt verification
AI Analysis
CFPB complaint 19182192 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Debt collection (Credit card debt), specifically about "Written notification about debt". A consumer disputed a credit card debt with Bank of America, claiming they did not receive sufficient written information to verify the debt, and the complaint was closed with an explanation. The complaint was received on January 31, 2026 from Georgia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should always request written verification of debts and carefully review all provided documentation to ensure accuracy and compliance.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific information to consumers upon request to verify the debt.
Regulatory Insight
This case highlights the importance of debt collectors adhering to strict notification requirements to avoid potential legal challenges.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Georgia, and state-specific consumer protection laws may also apply.
Industry Comparison
This issue is common in the debt collection industry, where disputes over debt verification frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19182192 about?
CFPB complaint 19182192 involves Debt collection (Credit card debt). The consumer reported an issue with "Written notification about debt", specifically "Didn't receive enough information to verify debt". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on January 31, 2026.
Which company is complaint 19182192 filed against?
Complaint 19182192 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION. You can view all complaints against this company on their profile page at /company/bank-of-america-national-association.
What was the company's response to complaint 19182192?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19182192 filed?
Complaint 19182192 was received by the CFPB on January 31, 2026. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on February 2, 2026.
What state was complaint 19182192 filed from?
Complaint 19182192 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 19182192?
Dispute information is not available for complaint 19182192.
What product category is complaint 19182192 about?
Complaint 19182192 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 19182192 submitted?
Complaint 19182192 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19182192?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific information to consumers upon request to verify the debt. This relates to a Debt collection complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Written notification about debt".
How likely is complaint 19182192 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19182192?
This complaint is rated as medium risk. The consumer's claim of not receiving adequate information to verify the debt could indicate potential violations of debt collection regulations, requiring further investigation.
What regulatory actions apply to complaint 19182192?
This case highlights the importance of debt collectors adhering to strict notification requirements to avoid potential legal challenges. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 19182192?
Consumers should always request written verification of debts and carefully review all provided documentation to ensure accuracy and compliance.
Are there state-specific protections for complaint 19182192?
The complaint originated in Georgia, and state-specific consumer protection laws may also apply. This complaint was filed from Georgia.
How does complaint 19182192 compare to industry norms?
This issue is common in the debt collection industry, where disputes over debt verification frequently arise.
What specific information is legally required in a written debt verification notice?
Under the FDCPA, a written debt verification notice must include the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the validity of the debt within 30 days, the debt will be assumed valid.
What recourse does a consumer have if they believe a debt collector has not provided sufficient information for verification?
If a consumer believes a debt collector has not provided sufficient information, they can dispute the debt in writing and potentially file a complaint with the CFPB or relevant state agencies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.