Bank Of America is VERY NEGLIGENT, very greedy, very EVIL and I have been fighting them for over a year now BALTIMORE Maryland

I know this complaint was filed a while ago, but knowing the CRA's and the Bank's it is more than likely still pending.

Good advice from prior poster to remove emotion out of it.  If I were in your shoes, I would do a few things.

#1) Send a certified return receipt letter to the Bank advising them they are aware the charges are fraudulent.  Send copies of the original fraud affidavits.  Tell them you expect the trade line to be reported accurately. 

If you owe money aside from the fraudulent charges, and you didn't pay it, legally the bank can do what they want with those charges.

#2) I would contact the collection agency by certified return receipt letter and ask for them to verify they are legally contracted to collect the debt on behalf of BoA. There have been cases of companies fraudulently claiming to be representing BoA on collection issues when in fact, they bought a mailing list with minimal information.  If the collection agency is damaging your credit in their name, tell them to delete it immediately.

#3) Wisconson's Attorney General is consumer friendly.  Send copies of both letters and all attachments to the Attorney General and ask for his intervention to assist in the Bank's promulgation of money laundering with a country on the watch list. 

There are several countries that will initiate charges (such as Saudi Arabia) to steal funds for terrorist groups.  Bank employees are aware of the current list published through the Federal Banking Commission and they are REQUIRED under Federal Law to conduct annual training of all employees, and any trends must be reported to the Feds for National Security purposes.  

#4) With this information in hand, I would also report BoA to the Comptroller of Currency AFTER you have all the facts.  Take the emotion out of it, and report them for improperly handling fraudulent charges and not having concern over money laundering initiated out of countries facilitating terrorist activity.

The same thing happened to me with BoA and they quickly corrected their records and no problems since.

You completely ruined your credit over an amount as trivial as $160? Lol. You keep saying THEY will pay. No, they won't. They have billions of dollars and couldn't care less about your business. Take a step back and look at the situation. The only person this is affecting negatively is YOU. You lost. Get over it. Except now, you are out $160 AND your good credit standing. Well done!

You completely ruined your credit over an amount as trivial as $160? Lol. You keep saying THEY will pay. No, they won't. They have billions of dollars and couldn't care less about your business. Take a step back and look at the situation. The only person this is affecting negatively is YOU. You lost. Get over it. Except now, you are out $160 AND your good credit standing. Well done!

You completely ruined your credit over an amount as trivial as $160? Lol. You keep saying THEY will pay. No, they won't. They have billions of dollars and couldn't care less about your business. Take a step back and look at the situation. The only person this is affecting negatively is YOU. You lost. Get over it. Except now, you are out $160 AND your good credit standing. Well done!

You completely ruined your credit over an amount as trivial as $160? Lol. You keep saying THEY will pay. No, they won't. They have billions of dollars and couldn't care less about your business. Take a step back and look at the situation. The only person this is affecting negatively is YOU. You lost. Get over it. Except now, you are out $160 AND your good credit standing. Well done!

A cease and desist letter was sent to Bronson & Migliaccio lawfirm on September 22, 2008. No response back from them. Yesterday in the mail [October 6, 2008--two weeks later], I received a letter from an "Astra Business Services". Astra Business Services is a collection agency. I will ASSUME that Bronson & Migliaccio chickened out and this Astra Business Services was given the job to continue harassing me.

Now on both of these collection letters, there's the name of "Cach LLC" listed and this Cach LLC is claiming to be the "new creditor". I looked up Cach LLC and Cach LLC is Collect America. From the research I've done, Collect America is one of the biggest scum collection agency collectors in this country who outsources to India and goes by other names to keep the millions-of-dollars-a-year income coming in.

I will send a cease an desist letter to Astra Business Services and to this Phillip Scott Lowery who is CEO of Collect America. Mr. Lowery and his franchises will be subject to various remedies, both legal and criminal. Especially criminal because now they are subject to violation of FCRA [Fair Credit Reporting Act]. I have my credit reports from the three credit bureaus and on the reports, it shows that Bank of America reported my account [stemming from fraudulent charges they never took off and REFUSED to take off] as being "delinquent" and "late" and they closed the account [after several months of racking up more fraudulent charges and giving me nothing but song and dances about how they are "investigating" it and will take the charges off my account] WITHOUT MY permission and wrote the account off as a loss and also it says on the reports that the account was "purchased by another lender", but it does NOT state who the "lender" is.

Again this "debt" [stemming from fraudulent charges] Collect America is hell bent on collecting is NOT valid. Obviously they have a block between their ears and a blindfold over their eyes and obviously they like to sit next to Bank of America for fraud. Same applies to the credit bureaus. Now WHY are these credit bureaus protecting Collect America? As of late, I've been hearing nothing but NEGATIVE things about the credit bureaus.

I will continue disputing the negative item on my credit reports. Bank of America [and anyone else who helps them for that matter] will NOT be getting away with this. They will PAY one way or another. Even if this takes several more months or even years. They WILL pay.

As much as you want to see someone "fry" for this so to speak, you need to take the emotion out of it. This comes down to a civil matter and there is nothing criminal that would be brought against BofA or the collection agency.

However, if you have notified the collection agency to not contact you again and they do that is a violation of the Fair Debt Collection Practices Act(FDCPA). Which you could take them to court for. BofA and the Collection agency could also be subject to violation of the Fair Credit Reporting Act(FCRA) if you can prove that they knew the items they were putting on your credit report were false. Again these are both Civil Matters.

Not sure what BofA actually did to investigate the claim. But it seems that it should have been enough that you are in the US and had the credit cards(I assume) but the charge was from Saudi Arabia. It may take you filing a suit against them to get everything brought out and repaired.

First, you shouldn't expect any bank to contact you via telephone over something like this and I'm sort of surprised they would admit doing this. The problem is that even if you spoke with them on the phone, the conversation you'd have with them would be worthless. This is a document circle-jerk and nothing done verbally has any value in this process. This is something you send to these people - certified return receipt - each time you transact something with the bank.

For $80, they ought to just refund you the money. There is enough documentation to show doubt regarding the validity of the transaction....but...?

I received a letter from them a few days ago. They are trying to collect the "debt" [stemming from fraudulent charges] on Bank of America's behalf.

I DO NOT owe anything to Bank of America. It's Bank of America who OWES ME an APOLOGY for the way they have treated me and RUINED my credit history.

I will send a cease and desist letter to this Bronson & Migliaccio lawfirm. Should they violate the order, they will be subject to several various remedies available to me, both legal and criminal. If they want to sit next to Bank of America for fraud, then so be it. I draw the line when it comes to subtle harassment from Bank of America in attempts of continuing to collect money illegally all the while they drag someone's credit history through the mud. It's CRIMINAL, WRONG and SADISTIC.

This is really and truly mind blowing that a corporation is allowed to break all the laws without being punished for doing so. Instead of taking the fraudulent charges off my account, they turned the account over to a collection agency so that they can further make more money illegally.

Bank of America is negligent, rude, unprofessional and a criminal enterprise. They will NOT get away with this. They WILL PAY for the way they have treated me and they WILL PAY for the FALSE CLAIMS they continue to put on my credit report.