Bank of America Credit Card Complaint

Bank of America Credit card department,

Delinquent account Texas

I called Bank of America to determine how I could get current on my account since I have been principally unemployed since -/-/2014. I was told I needed to pay approximately $3000.00 or agree to a debt consolidation agreement with an outside agency. I explained that I only remain delinquent on this account, which was a joint account that somehow was transferred solely to me. I asked about any other program and I was told no and this was my only option. I was then hung up on. The agent was unaware of the effects a debt consolidation and account closing has on credit and FICO scores. Bank of America is pushing debt consolidation with an affiliate in order to make more money which I believe is an illegal practice. They are refusing to allow me to keep current and has applied $300.00 in payments to fees which they add every month.