Debt collection -- Took or threatened to take negative or legal action -- Complaint #6707654
Complaint Overview
Complaint ID: 6707654
Company: Bank Of America, National Association
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Pennsylvania
ZIP Code: XXXXX
Date Received: 2023-03-16T12:00:00-05:00
Date Sent to Company: 2023-03-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On wed XX/XX/XXXX I received a call from an unknown number telling me a process server was calling and I needed to call a number when the person answered it was a lawyer from New Jersey saying it was a Bank of America account in 2006! The problem is its charged off and no longer on my credit report and under the statue of limitations I qualify its been over four years this account! I dont owe anything! When the lawyer I dont rem the name said that Bank of America was suing me and a process server was coming out! Today I got a phone call from XXXX would not tell me who they were just I had to call a number! They keep harassing me! If bank of America was suing me and they have a different attorney why did I not get anything in the mail! I looked at the law I dont owe this anymore its way over ten years! I have no acct number to go on or anything
Frequently Asked Questions
What is Complaint #6707654 about?
Complaint #6707654 was filed against Bank Of America, National Association regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-03-16T12:00:00-05:00.
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.