CJ-2026-1305 - BANK OF AMERICA, N.A. v. KENT SLATER YOUNG

What's This Case About?

Let’s be honest: nobody wakes up dreaming of becoming a defendant in a debt collection lawsuit. But here we are, in the hallowed halls of the District Court of Tulsa County, where Bank of America has decided it’s time to turn the page from polite reminders to full-on legal drama — all over a credit card balance that ballooned to $26,625.85. That’s not a typo. That’s twenty-six thousand, six hundred and twenty-five dollars and eighty-five cents owed by one man, Kent Slater Young, for what appears to be years of unchecked swiping, compounding interest, and the kind of financial snowball effect that makes accountants sigh and reality TV producers salivate.

So who is Kent Slater Young? Well, according to the court filing, he’s a resident of Broken Arrow, Oklahoma — a suburb of Tulsa known more for its sprawling subdivisions than its high-stakes financial showdowns. He’s not accused of fraud, identity theft, or running an underground casino with his Bank of America card. No, Kent’s crime — at least in the eyes of the law — is far more relatable: he opened a credit card, used it, and then… stopped paying. The last payment was made on April 2, 2025. After that? Radio silence. No more checks in the mail, no online transfers, no dramatic “paid in full” cashier’s checks with a note that says “eat this, capitalism.” Just… nothing. Meanwhile, Bank of America — the financial Goliath that needs no introduction — watched as the balance crept higher, thanks to interest, until it officially charged off the debt on November 29, 2025. And when a bank says “charged off,” that doesn’t mean they’ve forgiven the debt. Oh no. It means they’ve given up on collecting it the easy way — so now they’re going full courtroom mode.

What happened? Well, the petition doesn’t give us a tearful backstory or a sudden medical emergency. There’s no mention of job loss, divorce, or a rogue alpaca investment gone wrong. Just cold, hard facts: Kent had a credit line of $22,400. At some point, he maxed it out — and then some. By the final statement, his balance was $26,625.85, which is over $4,000 above his approved limit. How? Interest. Glorious, compounding, predatory (depending on your view) interest. The last statement, dated November 28, 2025, shows $536.84 in interest charged that month alone — all at a 23.99% variable APR on purchases. And get this: the statement helpfully informs Kent that if he had paid the minimum every month, it would’ve taken him 32 years to pay off the balance… and he’d end up shelling out a grand total of $67,138. That’s more than double what he currently owes. The irony is thick enough to spread on toast: the very document meant to collect money also doubles as a cautionary tale about the horrors of minimum payments.

Now, why are we in court? Legally speaking, Bank of America is suing for breach of contract — which, in plain English, means: “You agreed to pay us back. You didn’t. Now we want our money.” It’s not flashy. It’s not dramatic. But it’s the bread and butter of civil courtrooms across America. The contract in question is the credit card agreement — that 30-page document no one reads, full of fine print about APRs, grace periods, and the bank’s right to sue you in Tulsa County even if you move to Mars. The bank claims Kent violated that contract by failing to make monthly payments, and now they’re asking the court to step in and say, “Yep, Kent, you owe this. Pay up.” No jury trial is requested — probably because the outcome is about as predictable as a sunrise. When a bank sues for unpaid debt and has the statements to prove it, the defendant usually loses unless they file a counterclaim or dispute the amount. And so far, Kent hasn’t said a word.

What does Bank of America want? $26,625.85, plus court costs — which could include things like sheriff’s fees if they have to serve papers, or process server charges if Kent tries to play hide-and-seek. Is that a lot of money? Well, in the world of credit card debt, it’s not unheard of, but it’s not chump change either. For context, that’s enough to buy a used Tesla, make a down payment on a house in rural Oklahoma, or fund a very ambitious European vacation. But in the grand scheme of Bank of America’s balance sheet? It’s a rounding error. This lawsuit isn’t about the money — it’s about precedent, about sending a message, about the machinery of debt collection grinding forward like a steamroller through a daisy field.

And now, our take: what’s the most absurd part of this whole saga? Is it that a single credit card balance grew to nearly $27,000? Nah — credit cards are designed to do that. Is it that the bank is suing over it? Not really — they’ve got shareholders to answer to. The real absurdity lies in the statement itself — that beautifully formatted, color-coded, customer-service-toned letter that doubles as a psychological weapon. It warns Kent about late fees. It reminds him he’s over his credit limit. It even offers a hotline for credit counseling — right next to an ad for a Ken Burns documentary about the American Revolution. “Learn more at bankofamerica.com/KenBurns”, it says, as if Kent can cure his financial collapse by watching a PBS miniseries about George Washington. It’s like offering a life preserver made of confetti.

We’re not rooting for Kent — not because he’s guilty, but because we don’t know his story. Maybe he’s down on his luck. Maybe he’s disputing the debt. Maybe he’s just ignoring it, hoping it’ll go away like an expired coupon. And we’re not rooting for Bank of America, either — not because they’re evil, but because they’re so good at being the faceless corporate entity that profits from human error and financial fragility. But if we had to pick a side in this modern-day morality play, we’d root for the system to be more humane. For credit cards that don’t trap people in decades-long debt spirals. For banks that offer real help before they send lawyers. For a world where a $26,000 debt doesn’t start with a latte and end in a courtroom.

But until that world arrives, we’ll be here — covering the petty, the personal, and the painfully bureaucratic, one lawsuit at a time. And Kent? If you’re out there: call the credit counseling number. And maybe do watch the Ken Burns documentary. At this point, you might need a revolution.

Case Overview

$26,626 Demand Petition

Jurisdiction

District Court, Oklahoma

Filing Attorney

Ashton Dewayne Sears

Nelson and Kennard, LLP

Relief Sought

$26,626 Monetary

Plaintiffs

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

Defendants

KENT SLATER YOUNG individual

Claims

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

Petition Text

2,544 words

IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA BANK OF AMERICA, N.A., Plaintiff, vs. KENT SLATER YOUNG Defendant(s). Case No. 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 XXXXXXXXXXXXX8532. 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 11/29/25, the balance due at time of default was $26,625.85. 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 $26,625.85. 7. The date of the last payment made by the Defendant(s) is April 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), KENT SLATER YOUNG in the amount of $26,625.85, 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 9, 2026 Nelson and Kennard, LLP By: ____________________________ 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 KENT SLATER YOUNG 3321 S ASH PL BROKEN ARROW OK 74012-7907 Account Summary/Payment Information Previous Balance $26,089.01 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $536.84 New Balance Total $26,625.85 Total Credit Line $22,400.00 Total Credit Available $0.00 Cash Credit Line $300.00 Portion of Credit Available for Cash $0.00 Statement Closing Date 11/28/2025 Days in Billing Cycle 31 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# 8532 October 29 - November 28, 2025 New Balance Total $26,625.85 Current Payment Due $797.00 Past Due Amount $5,369.00 Total Minimum Payment Due $6,166.00 Payment Due Date 12/25/2025 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>32 years</td> <td>$67,138.00</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 KENT SLATER YOUNG 3321 S ASH PL BROKEN ARROW OK 74012-7907 Account Number: 8532 Payment Due Date: 12/25/2025 New Balance Total: $26,625.85 Total Minimum Payment Due: $6,166.00 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 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 accruing 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 - Monthly minimum payments are required when you carry a balance. 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. 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. 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. 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. 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 colspan="7"><b>Interest Charged</b></td> </tr> <tr> <td>11/28</td> <td>11/28</td> <td>INTEREST CHARGED ON PURCHASES</td> <td></td> <td></td> <td>536.84</td> <td></td> </tr> <tr> <td>11/28</td> <td>11/28</td> <td>INTEREST CHARGED ON BALANCE TRANSFERS</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>11/28</td> <td>11/28</td> <td>INTEREST CHARGED ON DIR DEP&CHK CASHADV</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>11/28</td> <td>11/28</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>$536.84</td> </tr> </table> <table> <tr> <th>Total fees charged in 2025</th> <th>$262.00</th> </tr> <tr> <th>Total interest charged in 2025</th> <th>$5,379.14</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>23.99%V</td> <td></td> <td></td> <td></td> <td>$26,347.83</td> <td>$536.84</td> </tr> <tr> <td>Balance Transfers</td> <td>23.99%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>23.99%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Bank Cash Advances</td> <td>28.49%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. A STORY 250 YEARS IN THE MAKING THE AMERICAN REVOLUTION A FILM BY KEN BURNS, SARAH BOTSTEIN & DAVID SCHMIDT See The American Revolution through the lens of Ken Burns in this exploration of the people, events and imagination that became a nation. Only on PBS starting Sun Nov 16 8/7c Learn more at bankofamerica.com/KenBurns