CS-2025-44 - BANK OF AMERICA, N.A. v. ANGELIQUE ADAMS

What's This Case About?

Let’s cut straight to the drama: Bank of America is suing a Tulsa woman for $6,010.63 — not because she robbed a branch, not because she forged a check, but because she didn’t pay her credit card bill. That’s it. That’s the crime. In the grand tradition of American capitalism, we now have a full-blown civil lawsuit over a Visa Signature card that went from “buy now, pay later” to “see you in court, Angélique.”

Meet Angélique Adams — a regular resident of Tulsa, Oklahoma, living at 7707 S 92nd East Ave, minding her business, probably just trying to survive in a world where gas costs more than dignity and avocado toast is still somehow a flex. On the other side? Bank of America, N.A., the financial titan with more branches than Taylor Swift has Grammy nominations. They’re not here to negotiate. They’re not here to mediate. They’ve got a spreadsheet, a law firm in Colorado, and a very specific number: $6,010.63. And they want every penny.

So how did we get here? Picture this: Angélique opens a credit card account — likely years ago, because that’s how these things go. Maybe it was for an emergency. Maybe it was for Christmas. Maybe it was just to keep the lights on after a rough month. The details are lost to time, but the math is crystal clear. At some point, the payments stopped. The last one? February 13, 2023. A quiet Sunday, probably unremarkable — except now it’s immortalized in legal documents as the day Angélique’s financial grace period expired.

From there, the machine kicked in. The interest started compounding. The fees piled up. The account crept past its $5,000 credit limit — not with new spending, but with interest alone. By the time the final statement rolled around (August 5 to September 4, 2023), the balance had ballooned to $6,010.63. And get this: $142.39 of that was interest charged in a single 31-day billing cycle. That’s like paying $4.50 a day just to owe money. The bank even helpfully informs her that if she’d kept making minimum payments? It would’ve taken 17 years to pay off, and she’d have ended up shelling out nearly $15,000 in total. That’s not a credit card. That’s a financial horror movie with a happy ending only if you’re the bank.

The account was officially “charged off” on September 30, 2023 — accounting speak for “we’ve given up on getting paid, but we’re still coming for you.” Then, exactly one year and two days later, on December 2, 2024, Bank of America files a lawsuit in Tulsa County District Court. No warning. No knock-knock. Just a cold, corporate here’s the paperwork. The claim? Breach of contract — which, in plain English, means: “You agreed to pay us back. You didn’t. Now we’re suing.”

Now, let’s talk about what the bank actually wants. $6,010.63. That’s the number. Is it a lot? Is it a little? Well, for Bank of America — a company that reported $96 billion in revenue in 2023 — this lawsuit is basically the financial equivalent of chasing someone for a slightly dented avocado at Whole Foods. But for Angélique? $6,000 could be six months of rent. A car repair. A down payment on peace of mind. It’s not chump change when you’re on the receiving end.

And yet, the bank didn’t offer a payment plan. Didn’t negotiate. Didn’t send a mediator. Nope. Straight to litigation. Represented by Ashton Dewayne Sears of Nelson & Kennard — a debt collection law firm that, fun fact, has filed thousands of these cases across the country. This isn’t personal. It’s not even about Angélique, really. She’s just one name on a spreadsheet, one data point in a high-volume debt recovery pipeline. The firm fires off these petitions like spam emails — efficient, impersonal, and utterly relentless.

The relief sought? Just the money. No punitive damages. No demand that she return the socks she bought in 2021. No request for a public apology. Just $6,010.63, plus court costs (because of course they want her to pay to be sued). It’s not about justice. It’s about balance sheets.

Now, here’s the absurd part: the statement they attached — Exhibit 1 — is littered with warnings. “You’re over your credit limit.” “We haven’t received your payment.” “Your account is restricted.” It’s like the financial version of a clingy ex texting “I miss you” while simultaneously hiring a private investigator. The bank knew she was in trouble. They watched the interest compound. They sent the scary payoff projection (17 years! $14,840!). And still — no outreach, no relief, no mercy. Just a lawsuit.

And let’s not ignore the irony: Bank of America is suing someone for failing to pay a debt… using a legal process that will cost more in administrative overhead than they’ll likely recover. They’re spending attorney fees, court filing fees, process server fees — all to chase down $6K. If this were a business model, it’d be called “losing money to win paperwork.”

So where do we stand? Angélique Adams is now officially on the docket — Case No. CS-2025-00044 — in a legal battle against a trillion-dollar bank over a credit card balance that grew like a weed in a neglected garden. She hasn’t responded yet (at least not in the filing we’ve seen). No attorney listed. No counterclaim. Just silence — which, in court, usually means you lose by default.

Look, we’re not here to defend or condemn Angélique. Maybe she went through a hard time. Maybe she forgot. Maybe she’s disputing the amount. We don’t know. And frankly, neither does the filing. But what we do know is that this case is a tiny, tragic snapshot of how the American debt machine grinds people down — one late payment, one compounding interest charge, one lawsuit at a time.

And Bank of America? They’re out here acting like they’re the victims. A bank that survived the 2008 crash on a government bailout is now suing an individual for not paying back a high-interest credit card they willingly issued. The gall. The audacity. It’s like a casino suing a gambler for not paying their marker — after the house already took their wallet, their watch, and their dignity.

So who are we rooting for? Not the bank. Not because they’re wrong — they’re technically in the right, contractually speaking — but because this whole thing reeks of corporate overreach. We’re rooting for the system to work — not for the bank to win, but for there to be options before we get to court. For payment plans. For forgiveness. For humanity.

But this isn’t a story about justice. It’s a story about interest rates, automation, and the quiet, soul-crushing machinery of consumer debt. And Angélique Adams? She’s not just a defendant. She’s a cautionary tale. A name on a statement. A balance on a spreadsheet. And now — a case number in a courtroom.

Welcome to the American dream, one late payment at a time.

Case Overview

$6,011 Demand Petition

Jurisdiction

District Court of Tulsa County, Oklahoma

Filing Attorney

Ashton Dewayne Sears

Nelson & Kennard

Relief Sought

$6,011 Monetary

Plaintiffs

BANK OF AMERICA, N.A. business
Rep: Nelson & Kennard

Defendants

ANGELIQUE ADAMS individual

Claims

#	Cause of Action	Description
1	breach of contract	failure to make required monthly payments

Petition Text

2,423 words

IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA BANK OF AMERICA, N.A., Plaintiff, vs. ANGELIQUE ADAMS Defendant(s). Case No. CS-2025-00044 MELISSA EAST PETITION COMES NOW the Plaintiff, by and through counsel, Nelson & Kennard, and herewith alleges the following and seeks redress as hereafter delineated. 1. Plaintiff is a national banking association, which transacts business within the State of Oklahoma. 2. Venue is proper in this County, as the Defendant(s) either reside(s) in this County at the commencement of this action, or the contract which is the subject matter of this action was made, executed, and delivered in this County. 3. The last four (4) digits of the Defendant’s account number, used by the original creditor as of the date of default are XXXXXXXXXXXXXXXX4127. 4. Plaintiff's claim arises when the Defendant(s) opened a credit account and failed to make the required monthly payments as agreed. The credit account charged off for non-payment on 9/30/23, the balance due at time of default is as follows $6,010.63. A true and accurate copy of the last periodic statement provided to the Defendant(s) prior to charge-off is attached hereto as Exhibit 1. 5. The Defendant(s) breached the Contract by failing to make the required periodic payments. 6. As a direct and proximate result of the Defendant(s) default, the total amount of debt claimed is $6,010.63. 7. The date of the last payment made by the Defendant(s) is February 13, 2023. 8. Plaintiff seeks court costs, and for such further relief as the Court may deem proper in the premises. \\/ // / WHEREFORE, Plaintiff, BANK OF AMERICA, N.A. prays for judgment against the Defendant(s), ANGELIQUE ADAMS in the amount of $6,010.63, plus all costs herein expended, including but not limited to, court costs, sheriff’s fees, and special process server fees; and for such other and further relief as the Court may deem proper in the premises. Dated this December 2, 2024. Nelson & Kennard By: [Signature] Ashton Dewayne Sears, OBA # 35737 12596 W. Bayaud Ave., Ste. 120 Lakewood, CO 80228 Phone: 866-920-2295 Attorney for the Plaintiff EXHIBIT 1 BANK OF AMERICA P.O. BOX 15284 WILMINGTON, DE 19850 ANGELIQUE ADAMS 7707 S 92ND EAST AVE TULSA OK 74133-4915 Customer Service Information: www.bankofamerica.com 1.800.421.2110 Mail billing inquiries to: Bank of America P.O. Box 672050 Dallas TX 75267-2050 Mail payment to: Bank of America P.O. Box 851001 Dallas TX 75285-1001 Visa Signature® Account# **** 4127 August 5 - September 4, 2023 Account Summary/Payment Information <table> <tr> <th>Previous Balance</th> <td>$5,868.24</td> </tr> <tr> <th>Payments and Other Credits</th> <td>$0.00</td> </tr> <tr> <th>Purchases and Adjustments</th> <td>$0.00</td> </tr> <tr> <th>Fees Charged</th> <td>$0.00</td> </tr> <tr> <th>Interest Charged</th> <td>$142.39</td> </tr> <tr> <th>New Balance Total</th> <td>$6,010.63</td> </tr> <tr> <th>Total Credit Line</th> <td>$5,000.00</td> </tr> <tr> <th>Total Credit Available</th> <td>$0.00</td> </tr> <tr> <th>Cash Credit Line</th> <td>$500.00</td> </tr> <tr> <th>Portion of Credit Available for Cash</th> <td>$0.00</td> </tr> <tr> <th>Statement Closing Date</th> <td>09/04/2023</td> </tr> <tr> <th>Days in Billing Cycle</th> <td>31</td> </tr> </table> New Balance Total $6,010.63 Current Payment Due $201.00 Past Due Amount $1,470.00 Total Minimum Payment Due $1,671.00 Payment Due Date 10/01/2023 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $40.00 and your APRs may be increased up to the Penalty APR of 29.99%. Total Minimum Payment Warning: If you make only the Total Minimum Payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: <table> <tr> <th>If you make no additional charges using this card and each month you pay</th> <th>You will payoff the balance shown on this statement in about</th> <th>And you will end up paying an estimated total of</th> </tr> <tr> <td>Only the Total Minimum Payment</td> <td>17 years</td> <td>$14,840.00</td> </tr> </table> If you would like information about credit counseling services, call 866.300.5238. BANK OF AMERICA P.O. BOX 851001 DALLAS TX 75285-1001 ANGELIQUE ADAMS 7707 S 92ND EAST AVE TULSA OK 74133-4915 Account Number: **** 4127 Payment Due Date: 10/01/2023 New Balance Total: $6,010.63 Total Minimum Payment Due: $1,671.00 Enter payment amount $ For change of address/phone number, see reverse side. Make your payment online at www.bankofamerica.com or Mail this coupon along with your check payable to: Bank of America IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges, we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result is multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Annual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (including transactions made after this statement). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment. For your protection, we will ask for security information. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account; however, only a portion of that is available for Bank Cash Advances. The Cash Credit Line is that amount you have available for Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date: This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. © 2023 Bank of America Corporation CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all the daily balances together; and (3) dividing the sum of the daily balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) add new Purchases, new Account Fees, and new Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. Average Balance Method (including new Balance Transfers and new Cash Advances): We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a daily balance for each day in this statement’s billing cycle; (2) calculating a daily balance for each day prior to this statement’s billing cycle that had a “Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior to this statement’s billing cycle but with a posting date within this statement’s billing cycle; (3) adding all the daily balances together; and (4) dividing the sum of the daily balances by the number of days in this statement’s billing cycle. To calculate the daily balance for each day in this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) add new Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. To calculate a daily balance for each day prior to this statement’s billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance); (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. Bank of America is a registered trademark of Bank of America Corporation. PAYMENTS - We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion of your monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial Institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your statement accompanying it. Payments received by mail after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 p.m. Central. Credit for any other payments may be delayed up to five days. Cash payments made with our tellers will only be accepted with a valid Identification (ID). No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers. We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a check or paper draft). Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you. If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. To stop payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur. Transactions <table> <tr> <th>Transaction Date</th> <th>Posting Date</th> <th>Description</th> <th>Reference Number</th> <th>Account Number</th> <th>Amount</th> <th>Total</th> </tr> <tr> <td>09/04</td> <td>09/04</td> <td><b>Interest Charged</b><br>INTEREST CHARGED ON PURCHASES</td> <td></td> <td></td> <td>142.39</td> <td></td> </tr> <tr> <td>09/04</td> <td>09/04</td> <td>INTEREST CHARGED ON BALANCE TRANSFERS</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>09/04</td> <td>09/04</td> <td>INTEREST CHARGED ON DIR DEP&CHK CASHADV</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>09/04</td> <td>09/04</td> <td>INTEREST CHARGED ON BANK CASH ADVANCES</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td colspan="6"><b>TOTAL INTEREST CHARGED FOR THIS PERIOD</b></td> <td>$142.39</td> </tr> </table> <table> <tr> <th>Total fees charged in 2023</th> <th>$280.00</th> </tr> <tr> <th>Total interest charged in 2023</th> <th>$1,112.38</th> </tr> </table> Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. <table> <tr> <th>Type of Balance</th> <th>Annual Percentage Rate</th> <th>Promotional Transaction Type</th> <th>Promotional Offer ID</th> <th>Promotional Rate End Date</th> <th>Balance Subject to Interest Rate</th> <th>Interest Charges by Transaction Type</th> </tr> <tr> <td>Purchases</td> <td>28.24%V</td> <td></td> <td></td> <td></td> <td>$5,936.84</td> <td>$142.39</td> </tr> <tr> <td>Balance Transfers</td> <td>28.24%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Direct Deposit and Check Cash Advances</td> <td>29.99%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Bank Cash Advances</td> <td>29.99%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> </table> APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary) Important Messages You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due today. If you've already mailed it, thank you. Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. When this statement was created, the account's Credit Line was in a restricted status and not available for use. You can request a copy of this statement in either Braille or Large Print by calling 800.432.1000 or going to bankofamerica.com and enter Visually Impaired Access from the home page. Your Reward Summary .00 Base Cash Back Earned .00 Total Cash Back Available Make the most of your rewards program today! Can you spot a scam? 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