CJ-2026-00082 - BANK OF AMERICA, N.A. v. CHRISTIE A HULS

What's This Case About?

Let’s be honest: we’ve all gotten that sinking feeling when the credit card bill lands in the inbox and the number is way higher than we’d like. But few of us end up on the receiving end of a lawsuit from Bank of America for $26,529.16 — especially not because we ghosted our card for a few months and let compound interest do its slow, evil dance. Yet here we are, deep in the legal trenches of Grady County, Oklahoma, where the bank has officially declared war on Christie A. Huls, a resident of Tuttle (population: tiny, vibes: rural), over a credit card balance that ballooned like a sad, financial balloon animal.

Now, Christie isn’t accused of fraud. She didn’t max out the card on a European shopping spree or wire money to a prince in Nigeria. No, this is far more mundane — and somehow, even more tragic. According to the petition filed on January 27, 2026, Christie opened a Bank of America credit account, presumably at some point when life felt manageable, when rewards points and cash advances seemed like tools of empowerment, not doom. She lived, she swiped, she maybe even earned a few Shell gas discounts (RIP, Partner Rewards Program). And then, at some point, she stopped paying. The last payment? November 25, 2024. After that? Radio silence. The account officially “charged off” — banking speak for “we’ve given up and are sending in the lawyers” — on June 30, 2025, with a balance of $26,529.16. And now, Bank of America wants its money. Or at least, wants the court to say Christie owes it.

So who is Christie A. Huls? Well, we don’t know much beyond her address on County Road 1214, where the nearest neighbor is probably a cow. But we do know she once had a credit line of $23,700 — not chump change — and somehow managed to blow past it, landing with a balance nearly $3,000 over the limit. The statement from June 2025 shows she wasn’t making purchases anymore. No new charges. No shopping sprees. Just interest — oh, sweet, predatory interest — piling up like dust on an unused treadmill. That month alone, $410.40 in interest was tacked on. $258 for purchases. $151 for “Bank Cash Advances” — which, given the 28.24% APR, were probably less “advances” and more financial self-harm. And by that point, she was already $4,602 past due, with a “Total Minimum Payment Due” of $5,273 — a number so absurd it might as well have been written in hieroglyphics. Who pays five thousand dollars minimum on a credit card? A small business? A person with three yachts? Not someone living on a county road in Tuttle, Oklahoma.

Bank of America’s claim is simple: breach of contract. You opened the card. You agreed to pay. You didn’t. Therefore, you owe. No wild allegations of identity theft, no accusations of lying on applications — just a plain, cold, corporate “you broke the deal.” The legal term is “breach of contract,” but the real term is “welcome to late-stage capitalism.” The bank isn’t asking for punitive damages, isn’t demanding Christie’s firstborn or a public apology. Just the $26,529.16, plus court costs, because even in vengeance, bureaucracy must be reimbursed.

And let’s talk about that number. $26,500. Is that a lot? Well, yes and no. It’s not a million-dollar lawsuit. You won’t see this on Judge Judy. But for the average American household, especially in rural Oklahoma, that’s a down payment on a house, a year of rent, or several years of groceries. It’s also less than what Christie would have paid if she’d stuck with the minimum — the statement helpfully informs her that if she only paid the minimum each month, it would take 33 years and cost a total of $73,168. That’s not a credit card. That’s a lifetime subscription to regret.

Now, here’s the thing: this case is so normal it hurts. There’s no drama. No cheating spouse, no stolen tractor, no backyard wrestling league gone wrong. Just a woman, a credit card, and the slow, inevitable march of interest rates until the whole thing collapses like a Jenga tower held together by hope. Bank of America, a financial behemoth with more lawyers than Tuttle has stop signs, has outsourced this collection to Nelson and Kennard, LLP — a debt collection law firm based in Colorado. Their attorney, Ashton Dewayne Sears, filed the petition with the precision of someone who’s done this 400 times this month. No passion. No outrage. Just paperwork. This isn’t personal. To them, Christie is a docket number, a four-digit account suffix (9614), a balance to be cleared.

But to Christie? This is probably terrifying. A lawsuit. A judgment. Wage garnishment. A ding on her credit that’ll follow her like a bad reputation. And for what? A debt that likely spiraled because of a job loss, a medical bill, a divorce, or just the general American hustle of trying to stay afloat while everything costs more and pays less. The statement even includes a little box offering “credit counseling services” — 866.300.5238, in case you’re curious — as if handing someone a lifeline after they’ve already gone underwater.

We’re not rooting for anyone to dodge their debts. If you charge $26,000 on a card and vanish, yeah, the bank deserves its money. But there’s something deeply absurd about a multinational bank suing an individual in rural Oklahoma over a debt that grew largely due to interest — interest the bank itself charged. It’s like a landlord suing a tenant for not paying rent… after jacking up the rent every month until the apartment cost more than a mansion. And let’s not pretend this is about justice. This is about portfolio management. Bank of America doesn’t care about Christie Huls. It cares about minimizing losses. She’s a data point, not a person.

Still, you can’t help but wonder: what happened? Did she think she could outrun it? Did she stop checking her mail? Did she believe, like so many of us do, that if she ignored it hard enough, it would go away? Spoiler: it doesn’t. And now, in a courtroom in Grady County, a judge will likely rule in favor of the bank, because that’s how this game works. The gavel will fall. The debt will be confirmed. And Christie will either pay up, settle, or face the consequences.

Meanwhile, Bank of America will go on, issuing cards, charging interest, and sending out statements with cheerful reminders about rewards points and Shell gas discounts — right up until the moment they sue you for $26,529.16. And somewhere, in a quiet house on County Road 1214, a woman is probably staring at a summons and wondering how a credit card turned into a court case. The answer? It’s not the interest. It’s the system.

Case Overview

$26,529 Demand Petition

Jurisdiction

District Court of Grady County, Oklahoma

Filing Attorney

Ashton Dewayne Sears

Nelson and Kennard, LLP

Relief Sought

$26,529 Monetary

Plaintiffs

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

Defendants

CHRISTIE A HULS individual

Claims

#	Cause of Action	Description
1	breach of contract	defendant failed to make required monthly payments on credit account

Petition Text

2,780 words

IN THE DISTRICT COURT OF GRADY COUNTY STATE OF OKLAHOMA BANK OF AMERICA, N.A., Plaintiff, vs. CHRISTIE A HULS Defendant(s). Case No. CJ-2024-82 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 XXXXXXXXXXXXXXX9614. 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 6/30/25, the balance due at time of default was $26,529.16. 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 $26,529.16. 7. The date of the last payment made by the Defendant(s) is November 25, 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), CHRISTIE A HULS in the amount of $26,529.16, 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 27, 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 CHRISTIE A HULS 2001 COUNTY ROAD 1214 TUTTLE OK 73089-1107 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 $26,118.76 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $410.40 New Balance Total $26,529.16 Total Credit Line $23,700.00 Total Credit Available $0.00 Cash Credit Line $4,800.00 Portion of Credit Available for Cash $0.00 Statement Closing Date 06/25/2025 Days in Billing Cycle 31 New Balance Total $26,529.16 Current Payment Due $671.00 Past Due Amount $4,602.00 Total Minimum Payment Due $5,273.00 Payment Due Date 07/22/2025 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>33 years</td> <td>$73,168.00</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 CHRISTIE A HULS 2001 COUNTY ROAD 1214 TUTTLE OK 73089-1107 Account# 9614 May 26 - June 25, 2025 Account Number: 9614 Payment Due Date 07/22/2025 New Balance Total $26,529.16 Total Minimum Payment Due $5,273.00 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 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>06/25</td> <td>06/25</td> <td>Interest Charged<br>INTEREST CHARGED ON PURCHASES</td> <td></td> <td></td> <td>258.84</td> <td></td> </tr> <tr> <td>06/25</td> <td>06/25</td> <td>INTEREST CHARGED ON BALANCE TRANSFERS</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>06/25</td> <td>06/25</td> <td>INTEREST CHARGED ON DIR DEP&CHK CASHADV</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>06/25</td> <td>06/25</td> <td>INTEREST CHARGED ON BANK CASH ADVANCES</td> <td></td> <td></td> <td>151.56</td> <td></td> </tr> <tr> <td colspan="5"><b>TOTAL INTEREST CHARGED FOR THIS PERIOD</b></td> <td colspan="2"><b>$410.40</b></td> </tr> </table> <table> <tr> <th>Total fees charged in 2025</th> <th>$195.00</th> </tr> <tr> <th>Total interest charged in 2025</th> <th>$2,305.90</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>15.24%V</td> <td></td> <td></td> <td></td> <td>$19,997.67</td> <td>$258.84</td> </tr> <tr> <td>Balance Transfers</td> <td>15.24%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>23.49%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Bank Cash Advances</td> <td>28.24%V</td> <td></td> <td></td> <td></td> <td>$6,319.04</td> <td>$151.56</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. 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. Points earned can expire if not redeemed within 60 months from the month earned. To view current point totals and when points expire, visit bankofamerica.com. Choose the credit card account related to this statement in Accounts Overview, then select the Rewards Tab and access the 'see expiration schedule' link for a full view of total points by month of expiration. To view redemption options, select 'Redeem Points'. Points can only be redeemed if the account is open and has active charging privileges. However, if you voluntarily close the card account or we close the card account for inactivity, you must redeem the points within ninety (90) days after closing. If we close your card account for any other reason you will lose your points immediately. The Partner Rewards Program as outlined in the program rules for your credit card will be ending on June 25, 2025. If you used Partner Rewards to enroll in the Shell gas discount, you will no longer have the option to receive a Shell gas discount in lieu of credit card rewards after that date. If you are currently enrolled in the Fuel Rewards® program with Shell outside of Partner Rewards, this change does not impact that program. Your Reward Summary <table> <tr> <th>.00</th> <th>BASE EARNED THIS MONTH</th> </tr> <tr> <th>.00</th> <th>TOTAL AVAILABLE</th> </tr> </table> Make the most of your rewards program today! 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.