CS-2026-1434 - BANK OF AMERICA, N.A. v. ANNA L LOGSDON

What's This Case About?

Let’s be real: Bank of America is suing a woman in Oklahoma for less than three grand—$2,990.64, to be exactly annoyingly precise—over a credit card bill, and they brought a lawyer, filed a formal petition, attached a full billing statement like it’s evidence in a murder trial, and dropped it into the Tulsa County court system like this is some high-stakes drama. This isn’t The People vs. O.J. Simpson. This is The People vs. Anna L. Logsdon, Who Probably Just Forgot to Pay Her Bill. But here we are, deep in the weeds of late fees, interest charges, and the cold, unblinking gaze of corporate finance coming for your last $771.

Anna L. Logsdon, of Collinsville, Oklahoma—a town so small it makes Tulsa look like Manhattan—was once, presumably, just another American with a credit card, dreams of avocado toast, and a vague understanding that “minimum payment” does not mean “pay this and walk away free.” At some point, she opened an account with Bank of America, likely lured by promises of rewards, cash back, or maybe just the ability to buy something now and figure out the consequences later. And for a while, things were fine. Payments were made. Balances fluctuated. Life happened. Then, on February 28, 2025, the last payment was recorded. After that? Crickets. Radio silence. The financial equivalent of a ghosting.

By October 7, 2025, the account had ballooned to a whopping $2,990.64. How? Well, the statement breaks it down with the kind of clinical precision that only a credit card company can muster. The previous balance was $2,944.94. Then came $45.70 in interest—just chilling, compounding daily like mold in a forgotten Tupperware. No new purchases. No fees charged this cycle. Just pure, unadulterated interest doing its quiet, predatory work. The card was maxed out—$2,500 credit line, $0 available. And the kicker? The minimum payment due on that statement? $771. That’s not a “pay a little and keep floating” number. That’s “sell your couch” territory. For context, that’s like asking someone to cough up two months of Netflix subscriptions at once—and that’s if they still have cable.

The bank claims Anna breached the contract—fancy talk for “she didn’t pay what she agreed to pay.” And sure, technically, that’s what happened. But let’s not pretend this is some elaborate scam. There’s no evidence of fraud, no identity theft, no wild spending spree on designer handbags or mystery trips to Bali. Just a woman, a credit card, and a balance that got away from her. The account was “charged off” on October 31, 2025—bank-speak for “we’ve given up on getting paid, so we’re writing it off as a loss… but also still suing you for it.” Classic.

Now, why are we in court? Because Bank of America, represented by the ever-diligent Ashton Dewayne Sears of Nelson and Kennard, LLP (a firm that sounds like a 1950s detective duo), decided that rather than just write this off or send it to collections, they’d take Anna to district court over $2,990.64. The legal claim? Breach of contract. That’s it. Not fraud. Not theft. Just “you signed a thing saying you’d pay, and you didn’t.” It’s the financial equivalent of “you promised to bring chips to the potluck and you showed up with nothing but sad eyes.”

And what do they want? $2,990.64. Plus court costs. Plus “sheriff’s fees.” Plus “special process server fees.” So, not just the balance—also the cost of dragging Anna into this mess. Is $3,000 a lot? In the grand scheme of credit card debt, no. It’s less than a decent used car down payment. Less than a week at a luxury resort. But for someone living in Collinsville, where the median household income is around $50,000, $3,000 is six weeks of groceries. It’s a car repair. It’s a security deposit on a new apartment. It’s not nothing. And yet, here we are, with a national bank treating it like a felony.

The most absurd part? The tone of the statement. The interest warning alone is a masterpiece of passive-aggressive financial shaming: “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, really? You think? Thanks for the math lesson, Bank of America. And then they drop the bomb: “You will payoff the balance shown on this statement in about 12 years… And you will end up paying an estimated total of $5,562.00.” That’s right—pay $771 a month for a year, and you’re still only halfway there. It’s not a credit card. It’s a financial black hole.

And yet, the bank isn’t offering mercy. No payment plans. No “let’s work something out.” Just a cold, hard lawsuit. No mention of hardship. No acknowledgment that maybe Anna lost her job, got sick, or just plain miscalculated. Just “pay up or see you in court.”

Here’s our take: This is the American debt machine in its purest form. A woman falls behind. Interest compounds. The bank waits until the account is toast, then sues. They’ve already written it off for tax purposes—meaning they’ve likely claimed a loss on this debt—yet they’re still trying to collect. It’s not about justice. It’s about maximizing recovery, no matter how petty the amount. And while yes, Anna did sign a contract, and yes, she should’ve paid, there’s something deeply unseemly about a multi-billion-dollar corporation treating a $3,000 delinquency like a criminal act.

We’re not rooting for deadbeats. But we’re also not rooting for a bank that charges 28.74% interest on cash advances and then acts shocked when someone can’t pay. If Bank of America wanted to be the good guy, they’d offer a payment plan. Or a settlement. Or at least a phone call. Instead, they sent a lawyer to file a petition over an amount that wouldn’t even cover the attorney’s hourly rate for a full day.

So here’s hoping Anna shows up in court with a single dollar coin, a copy of the Truth in Lending Act, and the quiet confidence of someone who knows she’s just one of thousands in this exact same boat. And here’s hoping the judge takes one look at this and says, “Seriously? Over this?” But let’s be real—this isn’t about Anna. It’s about the system. And the system? It’s working exactly as designed. Just not for her.

Case Overview

$2,991 Demand Petition

Jurisdiction

District Court, Oklahoma

Filing Attorney

Ashton Dewayne Sears

Nelson and Kennard, LLP

Relief Sought

$2,991 Monetary

Plaintiffs

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

Defendants

ANNA L LOGSDON individual

Claims

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

Petition Text

2,490 words

IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA BANK OF AMERICA, N.A., Plaintiff, vs. ANNA L LOGSDON Defendant(s). Case No. PETITION MELISSA EAST 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 XXXXXXXXXXXXX4989. 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 $2,990.64. 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 $2,990.64. 7. The date of the last payment made by the Defendant(s) is February 28, 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), ANNA L LOGSDON in the amount of $2,990.64, 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 January 12, 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 ANNA L LOGSDON 1211 W HIGH ST COLLINSVILLE OK 74021-3411 Account Summary/Payment Information Previous Balance $2,944.94 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $45.70 New Balance Total $2,990.64 Total Credit Line $2,500.00 Total Credit Available $0.00 Cash Credit Line $250.00 Portion of Credit Available for Cash $0.00 Statement Closing Date 10/07/2025 Days in Billing Cycle 30 New Balance Total $2,990.64 Current Payment Due $75.00 Past Due Amount $696.00 Total Minimum Payment Due $771.00 Payment Due Date 11/04/2025 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>12 years</td> <td>$5,562.00</td> </tr> </table> If you would like information about credit counseling services, call 866.300.5238. 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# 4989 September 8 - October 7, 2025 Account Number: 4989 Payment Due Date 11/04/2025 New Balance Total $2,990.64 Total Minimum Payment Due $771.00 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. 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 colspan="6">Interest Charged</td> </tr> <tr> <td>10/07</td> <td>10/07</td> <td>INTEREST CHARGED ON PURCHASES</td> <td></td> <td></td> <td>45.70</td> <td></td> </tr> <tr> <td>10/07</td> <td>10/07</td> <td>INTEREST CHARGED ON BALANCE TRANSFERS</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>10/07</td> <td>10/07</td> <td>INTEREST CHARGED ON DIR DEP&CHK CASHADV</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>10/07</td> <td>10/07</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>$45.70</b></td> </tr> </table> <table> <tr> <th>Total fees charged in 2025</th> <th>$223.00</th> </tr> <tr> <th>Total interest charged in 2025</th> <th>$418.23</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>18.74%V</td> <td></td> <td></td> <td></td> <td>$2,966.96</td> <td>$45.70</td> </tr> <tr> <td>Balance Transfers</td> <td>18.74%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>21.74%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Bank Cash Advances</td> <td>28.74%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 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. Statements in Spanish? We can do that for you! Call 800.432.1000 or visit your nearest financial center. Exclusions apply. Not available for Commercial, Merrill, Private Bank and Small Business accounts.