Bank of America Credit Card Complaint

Bank of America Credit card department,

Forbearance / Workout plans Maryland

The account was in my name, but my husband managed it during our marriage. Once the divorce dust settled, I had control of the card, with a - balance and a $ - limit. However, I did *not* have access to the online account. I could n't pass the security questions, since I did n't know if father 's middle name '' meant *my* father or my ex-husband 's father. And since the account had been active for at least - years, I did n't know which phone number, address, or even state they were asking for. I called the Bank several times to tell them that I did n't have access, especially since they sent all communication and statements to the online account. All anyone would say was that they did n't have access to my account and could n't help me. Throughout - years of unemployment, I tried to find work, but could n't. I


on. Again, I contacted the bank, but found no help there. I finally found work in -. Before leaving, I went to the bank in person, although I had never banked with them face to face. The banker took over an hour calling various people, but was finally able to figure out what had happened. At some point, they had raised my interest rate - informing me via the online account. My regular monthly payment was then less than the amount due, and so incurred penalties and interest. That then raised the payment due, which had a snowball effect. I was then nearly $ - in debt to them, almost as much as the total I had borrowed years prior. The bank and I reached an agreement in which the card was canceled and I would make payments of about $ - for - years. Realize, as I pointed out to them, that since I was moving to -, I could easily have skipped out on the debt. However, I wanted to do what was right. After - years of payments, I received a statement via email with the total in the body of the email, not in the online account. I was shocked to discover that the total owed had not changed. That told me the bank had continued assessing penalties and interest. I stopped paying. Now they are trying to serve me with a summons for a lawsuit, again for just under $ -. Granted, they wo n't have much luck with that with my living in -, but I still hate that I owe these vultures anything. I ca n't prove anything, since any paperwork we signed will be in a file somewhere in a storage unit in Maryland. I 'm going to have to scrounge to even find the account number! I would have no problem declaring bankruptcy, but now that my mortgage has been foreclosed on, I do n't have any other debts. I also do n't own anything ( house, car, property, etc. )