Debt collection -- Attempts to collect debt not owed -- Complaint #5902338
Complaint Overview
Complaint ID: 5902338
Company: Bank Of America, National Association
Product: Debt collection
Sub-Product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: West Virginia
ZIP Code: 268XX
Date Received: 2022-08-21T12:00:00-05:00
Date Sent to Company: 2022-08-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My complaint is based on a single issue, Bank of America collected on a debt they had already written off for tax purposes. The submission process forced me to pick the " best answer '' and that was that the debt was written off in bankruptcy and not owed. That's not correct, but the submission process for forces and answer and it was the best match. I filed a complaint before with all the details ( XXXX ). The bank would not reply to me on that complaint. So I filed a second complaint ( XXXX ) regarding their unwillingness to respond. BofA did respond to that complaint and indicated the representative handling the first compliant was removed from her position and that my correspondence was sent to an old postal address that was not included as my contact information for the compliant ( but they had my phone and email correct ). But based on the second complaint it did finally get the details from the first complaint. It outlined in detail why the bank was allowed to collect on a secured loan that went through bankruptcy. Of course they are - that wasn't the point of the complaint. The assertion, again, is that BofA collected on a loan they had written off for a tax loss. The reason for my assertion- as was stated in the first complaint, was that the first BofA representative I spoke with spent quite a bit of time looking for my loan which was not displaying based on account information. After careful research using my SSN, she very clearly - and without any confusion- stated that she had found the record and that it had been written off for tax purposes and that " it could not be collected on '' and that she just needed to send the request to have the lien released. The bank later cancelled the lien release and stated that they were going to collect the unpaid balance. This process began in early XX/XX/XXXX. They did not provide a payoff until XX/XX/XXXX. It took them almost exactly three full months to provide a payoff amount. That is ridiculous amount of time to provide a payoff amount. To repeat - the assertion is that BofA collected illegally on a debt that had already been written off. That is the only assertion - collection of a debt written off for tax purposes- as was clearly explained to me BY THEIR REPRESENTATIVE.
Frequently Asked Questions
What is Complaint #5902338 about?
Complaint #5902338 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 2022-08-21T12:00:00-05:00.
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.