Bank of America Credit Card Complaint

Bank of America Credit card department,

Delinquent account Washington

I lost my job during the Great Recession and stopped making payments on my credit cards so that I could continue paying my mortgage. - of my credit cards was with Bank of America. I stopped making payments in -, and in - B of A charged off the debt. In -, I received a - form from B of A showing the charge-off amount with interest and fees. I filed the - with my - federal tax return, claiming the charge-off as income. In - - ( which is 6 years and 11 months from the date of my last payment ), B of A changed the status of this charged off account to active/due, and added interest and fees to the debt ( - more years ' worth, presumably representing interest from - to - ). I called BofA - -. and explained that the debt was charged off and I received a - in -, and thus the account is no longer active but should reflect a charge-off and zero balance due. The agent told me that they can still legally collect on this debt because they never received a payment from me, and that I should speak to a tax professional regarding the fact that I already declared it as income in -. I contacted a credit repair bureau and they told me this is untrue and that I should call back and speak to a manager. I need help. How many Great Recession consumers experienced this, and how many previously charged-off debts is BofA reinstating as active & due suddenly, right at the time when these items should be falling off our credit reports via the " 7 year '' rule?