CS-2025-15 - BANK OF AMERICA, N.A. v. AUTUMN LYNN GOOD

What's This Case About?

Let’s get one thing straight: Bank of America is suing Autumn Lynn Good not because she robbed a vault, not because she hacked their servers, not even because she went full Wolf of Wall Street and bought a tiger with company funds—no, they’re suing her because she didn’t pay her credit card bill. And not just any bill—$9,328.60 worth of unpaid charges, interest, and financial gravity spiraling out of control like a credit card statement left in a tornado. That’s right. A multinational banking giant, with assets larger than most small countries, has sent a lawyer to court over less than ten grand. And honestly? This might be the most relatable true crime story we’ve ever covered.

So who is Autumn Lynn Good? Honestly, we don’t know much. She lives at 2903 E 76th Place in Tulsa, Oklahoma—a modest address, not exactly a mansion on the hill or a penthouse with a view of the oil derricks. She had a Bank of America credit card, account ending in 2516, and at some point, she stopped paying it. That’s about it. No criminal history mentioned, no wild spending sprees on yachts or private jets (unless she paid cash, in which case, girl, teach us your ways). She’s just… a person. Like you. Like me. Like that one friend who still hasn’t paid you back for concert tickets from 2019. But unlike your sketchy buddy, Autumn is now officially on the radar of one of the largest financial institutions in the world—and they’ve lawyered up.

Here’s how we got here: Autumn opened a credit card account. Standard stuff. Probably signed up online during a commercial break, lured in by promises of cash back, easy credit, or maybe just the ability to buy groceries when the paycheck hadn’t cleared yet. She used the card. She made purchases. And at some point, she fell behind. According to the filing, the account “charged off” on February 29, 2024—which, by the way, wasn’t even a real date, so either we’re in a time loop or someone at Bank of America really needs to check their calendar. But we digress. A charge-off means the bank has given up on collecting the debt through normal channels and has officially declared it a loss. It’s like the financial version of “we’ve moved on… but also, we’re suing you.”

The last payment Autumn made? April 4, 2024—over a month after the account was charged off. That’s… interesting. Was she playing catch-up? Did she think she could sneak in a payment and make it all go away? Or was this a final “I’m not ignoring you, I swear” gesture before the legal hammer came down? Either way, it wasn’t enough. The balance at the time of default was $9,348.60. The amount being sued for? $9,328.60. Someone did the math, and apparently, they rounded down. A $20 discount for defaulting on your debt—what a sale.

Now, why are they in court? Because Bank of America says Autumn broke the contract. That’s the legal claim: breach of contract. In normal human terms, it means: “You agreed to pay us back, and you didn’t.” That’s it. No fraud. No identity theft. No forged signatures or fake passports. Just a plain old “you said you’d pay, and you didn’t.” And while that sounds simple, the real villain here might not be Autumn—it might be the credit card agreement itself. Because if you actually read the fine print on that statement (and bless you if you tried), you’ll see the real monster in the room: compound interest.

Look at this: Autumn was being charged 22.24% APR on purchases. That’s high, but not unheard of. But on cash advances? 29.99%. That’s basically loan shark territory, but with better branding and a mobile app. And interest wasn’t just added monthly—it was compounded daily. Every single day, the balance grew, like a financial fungus feeding on unpaid debt. The statement even warns her: “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.” How much longer? Try 24 years. And how much total? An estimated $25,035. Let that sink in. She owes $9,300 now, but if she’d just paid the minimum, she’d end up paying triple that over nearly a quarter-century. That’s not credit. That’s a lifetime subscription to debt.

So what does Bank of America want? $9,328.60. Plus court costs. Plus fees. Plus the sweet, sweet satisfaction of winning a judgment. Is that a lot? In the grand scheme of corporate litigation, no. This isn’t a billion-dollar merger dispute or a class-action lawsuit over exploding smartphones. But for an individual? Nine grand is serious money. That’s a used car. A year of rent in some parts of Tulsa. A full college semester. Or, you know, a really good therapist to deal with the stress of being sued by a bank.

And here’s the kicker: Bank of America is represented by Nelson & Kennard, a debt collection law firm based in Colorado. Their attorney, Ashton Dewayne Sears (yes, that’s his real name), filed this case on November 26, 2024—right before the holiday season. Nothing says “joy to the world” like suing someone for a credit card bill in late November. And get this: they didn’t even demand a jury trial. They just want the judge to sign off on the debt. This isn’t about justice. It’s about efficiency. Autumn isn’t a person to them—she’s a line item. A defaulted account. A number on a spreadsheet.

Our take? The most absurd part isn’t that someone owes money. People fall behind all the time. The economy’s a mess. Wages are stagnant. Healthcare’s expensive. Life happens. The absurd part is that a bank with over $2 trillion in assets is spending legal resources to sue an individual over less than ten thousand dollars—while simultaneously charging interest rates that make it nearly impossible to climb out of the hole. It’s like setting someone on fire and then billing them for the water to put it out.

Are we rooting for Autumn? Not because she dodged her bill. But because this case is a perfect microcosm of how broken the consumer credit system is. You’re given a card, encouraged to spend, hit with sky-high interest, buried under fees, and then—when you can’t keep up—you’re treated like a criminal. Bank of America isn’t trying to work with her. They’re not offering payment plans. They’re not negotiating. They’re not even pretending to care. They’re just sending a lawyer to collect.

So while we don’t condone racking up debt and ghosting it, we also don’t think the solution is a corporate giant flexing its legal muscle over a regular person trying to survive. If anything, this case should be a warning label: Credit cards may cause financial ruin, especially if you’re late on a payment and also live in Oklahoma.

We’re entertainers, not lawyers. But even we know this much: when the interest rate is higher than your credit score, you’re already losing.

Case Overview

$9,329 Demand Petition

Jurisdiction

District Court of Tulsa County, Oklahoma

Filing Attorney

Ashton Dewayne Sears

Nelson & Kennard

Relief Sought

$9,329 Monetary

Plaintiffs

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

Defendants

AUTUMN LYNN GOOD individual

Claims

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

Petition Text

2,333 words

IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA BANK OF AMERICA, N.A., Plaintiff, vs. AUTUMN LYNN GOOD Defendant(s). 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 XXXXXXXXXXXX2516. 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 2/29/24, the balance due at time of default is as follows $9,348.60. 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 $9,328.60. 7. The date of the last payment made by the Defendant(s) is April 4, 2024. 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), AUTUMN LYNN GOOD in the amount of $9,328.60, 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 November 26, 2024. Nelson & Kennard By: /s/ Ashton D. Sears 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 AUTUMN LYNN GOOD 2903 E 76TH PL TULSA OK 74136-8722 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 <table> <tr> <th> </th> <th colspan="2">Previous Balance<br>Payments and Other Credits<br>Purchases and Adjustments<br>Fees Charged<br>Interest Charged</th> <th>New Balance Total<br>Total Credit Line<br>Total Credit Available<br>Cash Credit Line<br>Portion of Credit Available for Cash<br>Statement Closing Date<br>Days in Billing Cycle</th> <th>New Balance Total<br>Current Payment Due<br>Past Due Amount<br>Total Minimum Payment Due<br>Payment Due Date</th> </tr> <tr> <td></td> <td>$9,168.87</td> <td>$0.00<br>$0.00<br>$0.00<br>$0.00<br>$179.73</td> <td>$9,348.60<br>$8,000.00<br>$0.00<br>$600.00<br>$0.00<br>02/21/2024<br>31</td> <td>$9,348.60<br>$271.00<br>$1,920.00<br>$2,191.00<br>03/18/2024</td> </tr> </table> 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 $39.00 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>24 years</td> <td>$25,035.00</td> </tr> </table> If you would like information about credit counseling services, call 866.300.5238. 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. © 2024 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. 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. AUTUMN LYNN GOOD | Account # 2516 | January 22 - February 21, 2024 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>02/21</td> <td>02/21</td> <td><b>Interest Charged</b></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>02/21</td> <td>02/21</td> <td>INTEREST CHARGED ON PURCHASES</td> <td></td> <td></td> <td>160.75</td> <td></td> </tr> <tr> <td>02/21</td> <td>02/21</td> <td>INTEREST CHARGED ON BALANCE TRANSFERS</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>02/21</td> <td>02/21</td> <td>INTEREST CHARGED ON DIR DEP&CHK CASHADV</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>02/21</td> <td>02/21</td> <td>INTEREST CHARGED ON BANK CASH ADVANCES</td> <td></td> <td></td> <td>18.98</td> <td></td> </tr> <tr> <td colspan="6"><b>TOTAL INTEREST CHARGED FOR THIS PERIOD</b></td> <td><b>$179.73</b></td> </tr> </table> <table> <tr> <th>Total fees charged in 2024</th> <th>$39.00</th> </tr> <tr> <th>Total interest charged in 2024</th> <th>$355.34</th> </tr> </table> Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. <table> <tr> <th>Type of Balance</th> <th>Annual Percentage Rate</th> <th>Promotional Transaction Type</th> <th>Promotional Offer ID</th> <th>Promotional Rate End Date</th> <th>Balance Subject to Interest Rate</th> <th>Interest Charges by Transaction Type</th> </tr> <tr> <td>Purchases</td> <td>22.24%V</td> <td></td> <td></td> <td></td> <td>$ 8,510.35</td> <td>$ 160.75</td> </tr> <tr> <td>Balance Transfers</td> <td>22.24%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>25.24%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>$ 745.20</td> <td>$ 18.98</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. You are currently over your Cash Credit Line. While there is no fee for being over your Cash Credit Line, your card cannot be used for Bank Cash Advance transactions until a payment is received that brings the balance below your Cash 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. AUTUMN LYNN GOOD | Account # [REDACTED] 2516 | January 22 - February 21, 2024 Your Reward Summary .00 Base Cash Back Earned .00 Total Cash Back Available Make the most of your rewards program today! We know you can bank anywhere. Thank you for choosing us.