Bank of America Credit Card Complaint

Bank of America Credit card department,

Alabama

This is a follow-on to the response that Bank of America had sent on Case number : -. I have personal reviewed all the documents they have sent and even called some of the companies that were on the statements. However most do not respond especially the shady ones like - and - where I have seen alot of the transaction come from. Also there were foreign transaction fees in which makes things more confusing because I have not left the country in the specified time period that they had specified in the case. It also concern me that they say I had two account numbers - and - and no signed document to show that this account was opened or verifying the agreement of debt. This is their words verbatim from the letter : " -, we regret that we are unable to comply with your request to produce a copy of an original signed application for the account. The application is over five years old and is no longer available. Nevertheless, according to the enclosed Credit Card Agreement, you are obligated to fulfill the terms of the agreement after the account is closed. As of the date of this letter, the amount owed to Bank of America for the credit card ending in - is $9100.00. '' The Fair Debt Collection Protection Act actually requires the original signed form of indebtness it in light of the things that happen in the mortgage crisis that led to the Real Estate market crash of 2008.