Debt collection -- Attempts to collect debt not owed -- Complaint #4436419
Complaint Overview
Complaint ID: 4436419
Company: Bank Of America, National Association
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30349
Date Received: 2021-06-06T12:00:00-05:00
Date Sent to Company: 2021-06-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, Consumer XXXX XXXX XXXX XXXX XXXX XXXX, entered into a consumer credit transaction with Bank of America, N.A. on XX/XX/2021. I went to exercise my federally protected consumer rights and asked Bank of America to validate the debt and cease communication. None of which occurred and now they have reported negatively on my consumer report which prohibits me as the head of my house to provide for my family. They continue to violate my federally protected consumer rights as if they do not exist and even went as far as claiming that they do not fall under FDCPA ( Fair Debt Collection Practice Act ). If that was true I wouldn't have received statements via USPS that said this is an attempt to collect a debt. It is truly sad that they deceive other consumers at such a high degree in an attempt to coerce payment. I will be pursuing litigation for violating my consumer right to privacy and embarrassing me on my consumer report, my reputation, by reporting to the consumer reporting agencies a transaction/experience between myself and Bank of America, N.A. that should have never been furnished in the first place pursuant to 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ). In good faith I offered Bank of America, N.A. an opportunity to cure for default and they disregarded and in return reported negatively to my credit report
Frequently Asked Questions
What is Complaint #4436419 about?
Complaint #4436419 was filed against Bank Of America, National Association regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-06-06T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.