CJ-2026-62 - Bank of America, N.A. v. Amanda Schneider

What's This Case About?

Let’s cut right to the chase: Bank of America is suing a woman in Edmond, Oklahoma, for $16,303.23 because she didn’t pay her credit card bill. That’s it. No murder weapon. No secret affair. No stolen llamas. Just a single late payment that spiraled into a full-blown court case, complete with legal representation, exhibits, and a dramatic “WHEREFORE” at the end like this is Hamlet, not a debt collection petition. But don’t let the dry legalese fool you—this is peak petty civil court drama. Grab your popcorn, because we’re diving into the tragic tale of Amanda Schneider and the credit card that ate her life savings.

Amanda Schneider, according to the filing, is a regular person living at 1212 Scrambler Lane in Edmond—yes, Scrambler Lane, which sounds less like a residential street and more like a rejected theme park ride. She had a Bank of America credit card, one of those fancy co-branded Air France/KLM Flying Blue cards, which suggests she might’ve once dreamed of sipping champagne over the Atlantic while accruing miles toward free baggage fees. Instead, she’s now the defendant in a lawsuit filed by one of the largest financial institutions in the world, represented by a law firm based in Colorado that specializes in exactly this kind of corporate dragnet. The relationship between Amanda and Bank of America began, as so many do, with a promise: swipe now, pay later. But somewhere along the way, the “later” stopped happening.

Here’s how it went down, according to the court documents: Amanda opened a credit account—details of which are appropriately redacted because even banks have some shame—and agreed to make monthly payments. For a while, things were fine. She charged stuff. She paid some. Then, on October 2, 2025, she made her last payment. After that? Radio silence. The account kept ticking. Interest piled on. Fees accumulated. The card was officially “charged off” on October 31, 2025, which is banker-speak for “we’ve given up and are now treating this like a loss.” At that point, the balance sat at $16,303.23. That’s not chump change, but it’s also not a Lamborghini. It’s more like a used Toyota RAV4 with low miles and a questionable transmission. And yet, here we are, with a law firm filing a formal petition in Logan County District Court over it.

The statement attached to the lawsuit—Exhibit 1—is a thing of beauty, really. It’s a full-page, meticulously itemized breakdown of how $15,968.95 ballooned to $16,147.30 in just one billing cycle, all thanks to $178.35 in interest. No new purchases. No fees. Just cold, hard compound interest doing its soul-crushing work. The statement even includes a helpful 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.” Oh, and by the way, if you keep paying the minimum? You’ll end up shelling out $20,722 over four years. That’s not a credit card. That’s a financial horror movie with a happy ending only for the bank.

Bank of America’s legal claim is straightforward: breach of contract. In plain English, that means Amanda agreed to pay, and she didn’t. That’s the whole ballgame. There’s no allegation of fraud, no identity theft, no claim that she went on a shopping spree she never intended to pay for. Just a failure to send in the monthly check. The bank wants $16,303.23—principal, interest, the whole enchilada—plus court costs, which probably include things like the sheriff’s fee to serve the papers and the process server’s gas money to drive to Scrambler Lane. It’s not a huge sum in the grand scheme of corporate litigation, but for an individual? It’s life-altering. For a bank? It’s a rounding error.

Now, let’s talk about what $16,303.23 actually means. Is it a lot? Depends on your perspective. If you’re Amanda Schneider, maybe it’s the difference between keeping your car and taking the bus. If you’re Bank of America, it’s less than the annual salary of the paralegal who scanned this document. The bank isn’t asking for punitive damages—no extra punishment for being “bad.” They’re not demanding Amanda attend financial literacy classes or write a letter of apology. They just want the money. And if they win? They’ll probably sell the debt to a collection agency anyway, who’ll then try to settle for 30 cents on the dollar. The whole thing feels less like justice and more like a bureaucratic treadmill.

Here’s the real kicker: this case is so common it’s practically wallpaper in small claims and district courts across America. People fall behind. Cards get charged off. Law firms send letters. Then petitions. Then judgments. Then wage garnishments. It’s a well-oiled machine, and Amanda Schneider is just another cog. But what makes this absurd isn’t the amount or even the lawsuit—it’s the sheer tone of the document. The statement is full of corporate concern: “You’re a valued customer,” it says, right under the notice that her account is “in a restricted status.” It’s like getting a sympathy card from a vampire. “We miss you! Also, we’re suing you.”

And let’s not ignore the Flying Blue rewards summary at the bottom, which proudly declares: “0 Everyday Spend Miles. 0 Airline Spend Miles. 0 Miles to Flying Blue.” It’s a poetic epitaph. Once upon a time, Amanda might’ve dreamed of Paris. Now she’s got a court date in Logan County and a credit score in freefall. The miles expired. The dream’s over.

Our take? We’re rooting for the paperwork to get lost. Not because Amanda “deserves” to dodge responsibility—this is a debt she presumably incurred—but because the whole system feels wildly disproportionate. A national bank, worth hundreds of billions, deploying attorneys across state lines to chase down $16k from a single person in Edmond? It’s less justice and more collection theater. If the bank really wanted to be “valued,” maybe they’d offer a payment plan instead of a lawsuit. But no. They chose the path of maximum friction, maximum shame, maximum legal formality. And for what? So they can check a box and move on?

This isn’t a story about money. It’s a story about power. And right now, the balance of power is tilted so far toward Bank of America that Amanda’s Flying Blue miles might’ve had a better chance of getting her to Europe than she has of getting a fair shake in this courtroom. We’re entertainers, not lawyers—but even we know that when the system treats people like spreadsheet entries, nobody wins. Except, of course, the law firm billing by the hour.

Case Overview

$16,303 Demand Petition

Jurisdiction

District Court of Logan County, Oklahoma

Filing Attorney

Ashton Dewayne Sears

Nelson and Kennard, LLP

Relief Sought

$16,303 Monetary

Plaintiffs

Bank of America, N.A. business
Rep: Nelson and Kennard, LLP

Defendants

Amanda Schneider individual

Claims

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

Petition Text

2,575 words

IN THE DISTRICT COURT OF LOGAN COUNTY STATE OF OKLAHOMA BANK OF AMERICA, N.A., Plaintiff, vs. AMANDA SCHNEIDER Defendant(s). Case No. CJ 2026 Lc 2 PETITION COMES NOW the Plaintiff, by and through counsel, Nelson and Kennard, LLP, 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) reside(s) in this County at the commencement of this action. 3. The last four (4) digits of the Defendant’s account number, used by the current creditor as of the date of default are XXXXXXXXXXXXX2161. 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 10/31/25, the balance due at time of default was $16,303.23. 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 $16,303.23. 7. The date of the last payment made by the Defendant(s) is October 2, 2025. 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), AMANDA SCHNEIDER in the amount of $16,303.23, 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 February 2, 2026 Nelson and Kennard, LLP By: [signature] Ashton Dewayne Sears, OBA #35737 12596 W. Bayaud Ave., Ste. 120 Lakewood, CO 80228 Phone: 866-920-2295 [email protected] Attorney for the Plaintiff EXHIBIT 1 BANK OF AMERICA P.O. BOX 15284 WILMINGTON, DE 19850 Flyingblue AIRFRANCE / KLM AMANDA SCHNEIDER 1212 SCRAMBLER LN EDMOND OK 73025-1804 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 Account Summary/Payment Information Previous Balance $15,968.95 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $178.35 New Balance Total $16,147.30 Total Credit Line $16,100.00 Total Credit Available $0.00 Cash Credit Line $3,300.00 Portion of Credit Available for Cash $0.00 Statement Closing Date 08/13/2025 Days in Billing Cycle 31 New Balance Total $16,147.30 Current Payment Due $375.00 Past Due Amount $1,125.00 Total Minimum Payment Due $1,500.00 Payment Due Date 09/10/2025 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, 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>4 years</td> <td>$20,722.00</td> </tr> </table> If you would like information about credit counseling services, call 866.300.5238. 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 you any interest on Purchases if you always pay your entire "Grace Period Balance", as defined in the next two paragraphs, by the Payment Due Date. Specifically, you will not pay interest for an entire billing cycle on Purchases if you Paid in Full the two previous Grace Period Balances on your account by their respective Payment Due Dates; otherwise, each Purchase begins to accrue Interest on its transaction date or the first day of the billing cycle, whichever date is later. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. If you do not have an active Custom Pay Plan, your Grace Period Balance will be the New Balance Total. New Balance Total (also referred to as the “Statement Balance”) is the total billed amount as of the Closing Date of a billing cycle, as shown on your monthly statement, plus any adjustments for subsequently returned payments. If you have an active Custom Pay Plan, your Grace Period Balance will be the Interest Saving Balance as shown on your monthly statement plus any adjustments for subsequently returned payments. The Interest Saving Balance is your New Balance Total minus, any balances subject to a Custom Pay Plan, plus any Custom Pay Plan Payment(s) due, as shown on your monthly statement. 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 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. We will first allocate the amount of your payment equal to the Total Minimum Payment Due to any Custom Pay Plan Payment due, then to the lowest APR balances in turn (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, and finally to any Custom Pay Plan balances. 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. 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 by: (1) calculating a daily balance for each day in the current 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 current billing cycle. To calculate the daily balance for each day in the current billing cycle, we: (1) take the beginning balance less any Purchases assigned to an existing Custom Pay Plan; (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; (4) subtract Purchases assigned to a new Custom Pay Plan; and (5) 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 by: (1) calculating a daily balance for each day in the current billing cycle; (2) calculating a daily balance for each day prior to the current 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 the current billing cycle but with a posting date within the current billing cycle; (3) adding all the daily balances together; and (4) dividing the sum of the daily balances by the number of days in the current billing cycle. To calculate the daily balance for each day in the current 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, 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 the current billing cycle that had a Pre-Cycle balance, we: (1) take the beginning balance attributable solely to a Pre-Cycle balance (which will be zero on the transaction date associated with the first Pre-Cycle balance); (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; and (3) 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. ©2025 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. However, mailed payments need not be sent in a return envelope if we sent you a statement without a return envelope. 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 by 11:59 p.m. ET will be credited as of the date they are made. Credit for any other payments may be delayed up to five days. Cash payments made with our tellers will only be accepted with valid identification. No payment, including those marked with paid in full or with any other restrictive words, 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. When you provide a check as payment, you authorize us to use information from your check to make a one-time electronic fund transfer from your account (or process it as a check or paper draft). When we use information from your check to make an electronic fund transfer, 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 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, you must contact us at least three business days before the automatic payment is scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication in this space. 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>08/13</td> <td>08/13</td> <td><b>Interest Charged</b></td> <td></td><td></td><td></td><td></td> </tr> <tr> <td>08/13</td> <td>08/13</td> <td>INTEREST CHARGED ON PURCHASES</td> <td></td><td></td><td>178.35</td><td></td> </tr> <tr> <td>08/13</td> <td>08/13</td> <td>INTEREST CHARGED ON BALANCE TRANSFERS</td> <td></td><td></td><td>0.00</td><td></td> </tr> <tr> <td>08/13</td> <td>08/13</td> <td>INTEREST CHARGED ON DIR DEP&CHK CASHADV</td> <td></td><td></td><td>0.00</td><td></td> </tr> <tr> <td>08/13</td> <td>08/13</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><b>$178.35</b></td> </tr> </table> <table> <tr> <th colspan="2">2025 Card Year-to-date</th> </tr> <tr> <td>Total fees charged in 2025</td> <td>$40.00</td> </tr> <tr> <td>Total interest charged in 2025</td> <td>$1,543.07</td> </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>13.08% V</td> <td></td> <td></td> <td></td> <td>$16,055.12</td> <td>$178.35</td> </tr> <tr> <td>Balance Transfers</td> <td>13.08% 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>13.08% V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Bank Cash Advances</td> <td>13.08% 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 Flying Blue Number 5041341711 0 Everyday Spend Miles 0 Airline Spend Miles 0 Miles to Flying Blue VISIT FLYINGBLUE.COM Make the most of your rewards program today! How are we doing? Your opinion is important to us. You are invited to join the Bank of America® Advisory Panel and share what you think we are doing right — and what we need to do better. 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