Bank of America Credit Card Complaint

Bank of America Credit card department,

Payoff process California

BANK OF AMERICA HAS HIRED A LAW FIRM - THAT IS VERY AGGRESSIVELY ATTEMPTING TO COLLECT ON THIS 5 YEAR OLD ACCOUNT. I HAVE ATTEMPTED SETTLE THIS DEBT WITH BANK OF AMERICA WHO IN WRITING CONFIRMED THEY STILL OWNED THE NOTE BUT REFUSED TO ACCEPT A PAYMENT OR TO NEGOTIATE A SETTLEMENT. - - HAS REFUSED ALL OF MY ATTEMPTS TO SETTLE THIS ACCOUNT ON BEHALF OF BANK OF AMERICA, AND ADDED ON E-CESSIVE FEES ON THESE - ACCOUNTS EVEN AFTER I HAVE E-PLAINED THEM MY FINANCIAL HARDSHIP POSITION AND BEING A SURVIVING CHILD OF A - VET ALL MY REQUESTS AND ATTEMPTS TO SETTLE PAY AND NEGOTIATE THESE ACCOUNTS WERE IGNORED ANY MY CONSUMER RIGHTS AND PRIVACY HAVE BEEN VIOLATED ON NUMEROUS OCCASIONS. PLEASE HELP