They are also card services for Wachovia--I have no issues with BOA but do with Wachovia.

unwanted call

They called my cel phone.  I do not give the number to anyone except family members for emergency use only, since I do not like to be bothered with calls if I'm not at home.  So how did they get the number?????  I will not check the message and be charged for an unsolicited call.

I am not an attorney nor a financial or debt consultant.  Just an average Joe with some experience with these folks.  This is the credit card service branch for Bank of America.  They call themselves "Card Services." or "FIA Card Services".  It used to be the credit card servicing arm for MBNA but went with the other holdings of MBNA to Bank Of America when BoA bought MBNA a little over a year ago.  They are very agressive about debt collection and will call you dozens of times a day as well as call your neighbors, your boss and anyone else they can find a working number for who they think knows you, just in order to get to you.  They will search utility records in your area and pull up everyone with your last name (or one near it in spelling) and call them all until they find a relative who knows you.  They basicly dare you to prove they broke any FDCPA or FOIC rules in gathering information with which to contact you. I know personally they have used illegal means for obtaining information, but unless your friends and neighbors recognized their phissing efforts at the time of the call and are willing to testify as to exactly what type of responses the caller was trying to elicit from them, or have the presence of mind to tape the call, and you can prove that you suffered material damages from these contact methods they used, you won't have much of a chance calling them to account under FDCPA. It is very had to prove phone harrassment without a lot to time and effort on your part and they know that. It is the basis of their complete lack of respect for the law.  In the meantime, they will call you from 20 or thirty different numbers out of a dozen or more different call centers around the country. Good luck ignoring them, if you can.  If you don't, ask first who they are and who they are calling for.  Try to get the exact spelling of the name and address they have and the account number and if possible a SS# for whomever they are trying to contact. In doing that, never give them any other contact information for yourself, except what they have repeated to you over the phone from their records. If it is right, keep you mouth shut.  If it is wrong tell them so.  You can expect the usual good guy-bad guy treatment during such a call, where sometimes you will be called by a first class jerk and another time by a deceptively sweet collector, but it always desolves into the same boneheaded, "our informtion is 100% right and you owe us", despite the facts that the SSN they have isn't right, and/or the address isn't right and/or even that your last name is different from that on the account they are trying to collect. These call center people have no ability or incentive to right any wrongs like this, so there is no point in trying to get them to correct anything that is not right.  

If that is the problem, you are best advised to demand that the discussion move to paper and mail and insist that they not call you again about it. Tell them you want them to provide written verification of the account by providing the name and address of the present account owner, the name and address of the original creditor grantor, the original account number and a debit/fine/fee charge and payment history for the original account and any copies of documents with the account holder's signature on them, such as applications, charge receipts or other debt instruments.  They are supposed to send you this information within 30 days of your request.  If they don't they have violated FDCPA. If they do send you something, the chances are it will not comply with all your requests; maybe none of them.  So, write a second letter demanding these verifications and in it reiterate this is your second demand for this informaion and enclose a copy of what they sent you pointing out its deficiencies with respect to your demands, then, in writing, reiterat your phone demand that they stop calling you, your mother/father/boss/neighbor or whomever else they have accosted to get to you.  Mail it off certified mail, signature receipt return.  From that point on, you might want to talk to an attorney or other professional who has more knowledge than I do about how to best handle your particular situation. You will have the start of a good defense if they fail a second time to provide any meaningful verification of the debt, and they often do fail.  Good luck.

Can someone tell me if this is a legit sub-division of Bank of America?  Has anyone contacted Bank of America to verify an over the phone settlements offer?

z

received a call from a "Leah" regarding an account she manages that is not behind in any way... if anything i am ahead by 2 payments?

I received a call from this #  today at my job...they did not leave a message, however, number showed up on my VM ID

Yep, they called me today trying to find my ex-husband whom I haven't spoken to/heard from in 13 years.

This is actually a homosexual singles group lookig for members

Bank of America - Card Services. They are calling all of their customers who have tested positive for HIV. It's now standard procedure.

I receive calls (I do not owe money).  I am the "relative" of a person they are seeking.  You are correct in that they do not ever tell me that this person owes money.  They are not looking for the same person each time, though.  We have received to date 7 calls from B of A, each one from a different source number, and re: a different B of A with the same first name, different last name, as my husband.

Call received today around 12:30PM but no message left.  I have already spoke to Bank of America regarding accounts so there would be no reason for the call.

I changed my cell number and now I keep getting calls for someone who owes them money... I am getting tired of it!  I tell them that they have the wrong person, but they do not believe me! How do I make the calls stop?

got a call about a supposed neighbor.  no idea who they are, but the address they gave is on my street.  is there someone i can call as to avoid future calls?

This actually a gay escort service.

I have spoke to these people very rude and refuse to give out there mailing address.

I do NOT have a debt with BOA but rather with Wachovia/Wells Fargo.I do have a checking account with BOA but nothing is owed to them by me. Is htere any connection?

Got a call for someone with a similar name to mine about "exisiting business on their account."  I assume debt collection. I told them that I was not the right person, they very nice and said they would remove my name from their records.

Called looking for someone named Garrett?  She said her name was Andrea Taylor but never said she was from BofA.  She said she was from SSA, or something like that.

You may in fact have an account under a different name that is owned by Bank of America. I used to work for them in their credit card division. (And yes I owe them money too) The debt they say you owe could be under the name of a number of different companies that Bank of Americas credit card company also known as "Card Services" has actually always owned such as Bass pro shops, AAA, Virgin Atlantic, Mercedes Benz, and various Credit Unions. It would be in your best interest to call them just to find out what they say you owe. If in fact it is not your debt you can at least let them know that, otherwise it could really screw up your credit.

I understand I owe Bank of America money. (A very small amount of money by the way) In any case, I tell them continually that I lost my job and am unable to afford to pay them anything as I can barely afford to feed myself. They are usually nice, but I wish they would understand that I don't want them calling me anymore than they want to call me every month. I will pay them as soon as I can afford to do so. Not everyone is a scumbag trying to avoid paying their debts. Some people were adversely affected by the economy and unable to pay no matter how much they wish they could.

By the way, this number is not fraud. It is in fact Bank of America, and I actually used to work for them in their credit card division. If you tell them the situation they can in fact sometimes work something out.

Received a call from this number looking for some other person by the name of Mary Estrella.  I'm assuming this Mary gave bad account info. trying to get something for nothing.

Its Bank of America.
I'm late...Really Late!
They made me an offer to pay 40% over time, and they will write off the rest.
That call just saved me $18,000

Just got a message on my cell from this number asking me to call back Bank of America. I do not have an account with them.

They called me (too early) yesterday morning looking for my brother-in-law and/or his soon to be ex-wife. They left a message asking me to call back-- no way am I getting involved in my deadbeat in-laws' financial troubles. Their phones have been turned off and the house is in foreclosure, so good luck to BofA trying to get anything out of them. This is the third company that's called me trying to get them, so he must have used our name as a contact way back when they were living high on the hog.

I just got a call on my cell phone from this number, from a woman looking for someone with my last name. When I told her that I wasn't that person, she implied I was lying, and wanted to know who I was if I wasn't the person she was looking for. I said "I don't know, you called me, who am I?" and hung up. I have never heard of the person she was looking for.

You are WRONG are you deliberately trying to confuse people or are you just terminally stupid? Virtually all loan agreements (that's CONTRACTS to you) contain a clause that permits the creditor to ASSIGN the the debt to someone else.  

While this IN NOW WAY excuses crooked collection agencies who violate the FDCPA, the assignment itself is almost certainly legal according to the terms of the original CONTRACT.

Get some education before you start spewing misinformation on here. This site is supposed to help people, there's enough scammers on here already trying to run their scam, without morons like you who have NO CLUE what you're talking about.

BTW Take your bullion down the the grocery store and see how much food you can get LOL. Or don't you believe in grocery stores either?

A payment has been initiated electronically and will be posted to the account in a day or two. The amount was stated on the paper statement received on Monday, July 27.

A man called and asked if knew a specific person. I did and he asked me if I had his phone #. This person was from Bank of America and was looking for someone with the same last name as mine. I am a BOA customer and they used my file to contact me for information on someone else. As I thought of this I told him he was calling an unlisted # and promply hung up. Is it legal for a bank to call its customers to find other people that they are looking for.
I consider this an invasion of privacy and they don`t care of the privacy of their customers if they let their own people use private information for their own use.