I had an issue with Bank of America when they assumed two separate credit card accounts I had previously had with Fleet I made several attempts to try to work with Bank of America to settle the cards as in the transition of the two companies there was a gap in my receipt of my bills. I was attempting to get the additional charges & negative credit information taken off my bill & off my credit report. One person at Bank of America was very nice, worked with me and we were able to set up my new billing with Bank of America no hassles. That card is paid off in full and in a timely manner.
The second card was aparently given to someone else to resolve & they refused to remove any late charges, to correct any negative reports and they cut off my credit despite my good credit history with the previous account holder Fleet. I tried several times to get it resolved, but they were so unwilling to settle I just gave up. I have put a statement in my credit report which attests to this as my reason for non payment. The above mentioned company claims to have had this debt since Bank of America aparently sold it off their books, however that is hard to prove by me as I have been contacted by several different companies which I guess are all different names for this company.
When they called repeatedly they always had a blocked phone # and left vague messages or more threatening messages like I needed to respond immediately or I would be taken to couret etc etc. Most of the time they did not leave their name or they left an attourney's name to threaten me more.
I was just rudly served by someone incesently ringing my doorbell & pounding loudly on my door at 7:30 pm tonight 31st of January (Saturday). He stated I was being sued (no other information was given; not his name or his purpose for the suit or whom it was from; he stated I could accept the paper or he would just leave it on the doorstep); he scared me very badly so I told him to just leave it on the step I was not opening my door for some person who appeared deranged at best.
I do not know what to do. I owe less that $ 2,500.00 now and originally it was less than $ 1,500.00 (may have been less than $ 1,000.00 originally). They have waited over three or four years to serve this to me. Nice of them to wait until the worst economic news since the Great Depression to decide now was a good time to sue me.
I guess I will be spending even more time trying to figure out how to file my rebuttal etc. At the courthouse. Also, time trying to find all of my info after four or five years. This is like legalized extortion by these people and I cannot believe they can get away with it. The only thing they have omitted was Bubba with a baseball bat to come collecting & tonight was almost as frightening. At one point I had offered to pay off the original amount with payments, but this company wanted one lump payment & refused to put any agreements in writing to be sent to me for acceptance prior to my paying anything.
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