CS-2026-00143 - Bank of America, N.A. v. Clarissa H. Price

What's This Case About?

Let’s cut right to the chase: Bank of America is suing a woman in Oklahoma for $9,252.43 — not because she maxed out her card on a shopping spree, not because she took out a cash advance to fund a questionable side hustle, but because she stopped paying. And now, the bank wants a judge to officially confirm what we all already know — that yes, she owes them money. Groundbreaking. Riveting. Cue the courtroom drama… or, you know, the quiet sigh of another American buried under credit card debt.

Meet Clarissa H. Price, resident of Tulsa, Oklahoma, and, as of February 2, 2026, the defendant in a civil war against one of the largest financial institutions in the country. On the other side of the courtroom (figuratively — there’s no jury, no trial date yet, just paperwork) stands Bank of America, N.A., a corporate titan with more zeroes in its balance sheet than Clarissa likely has in her savings account. The relationship between them? It started, as so many do, with a credit card. A little plastic promise of “you can have it now, pay later.” But somewhere between the last payment on June 17, 2024, and the account’s official charge-off on November 30, 2024, that promise went sideways. The card was no longer a tool of convenience — it became a ticking debt bomb, and when it finally exploded, Bank of America decided to send in the legal cavalry.

According to the petition filed by Nelson and Kennard, LLP — a debt collection law firm that’s about as exciting as a spreadsheet but somehow ends up in court all the time — Clarissa opened a credit account, presumably signed some fine print, and then failed to make the required monthly payments. The last statement before the account was charged off shows a balance of $9,252.43. That number didn’t come out of nowhere. It started at $9,236.73, picked up $15.70 in interest during the final billing cycle, and boom — a tidy nine-grand-plus tab. The statement, attached as Exhibit 1, is a masterclass in financial dread: past due amounts, minimum payment warnings, and that soul-crushing table that says, “If you only pay the minimum, you’ll be paying this off for three years and end up shelling out nearly $9,500.” It’s like a Choose Your Own Adventure where every path leads to financial regret.

Now, here’s the thing — there are no allegations of fraud, no wild accusations of identity theft or unauthorized charges. No one’s claiming the bank miscalculated or that Clarissa was misled by fine print smaller than a mosquito’s font. This isn’t The Social Network; it’s The Monthly Statement. The core of the lawsuit? Breach of contract. Fancy legal speak for: “You agreed to pay, and you didn’t.” That’s it. That’s the entire case. Bank of America says Clarissa entered into a binding agreement when she opened the account, and by failing to make payments, she broke that agreement. They want the court to step in, declare that yes, the contract exists, yes, she violated it, and yes, they’re entitled to the money.

And how much money are we talking about? $9,252.43. Let’s put that in perspective. That’s not a million dollars. It’s not chump change, either. It’s enough to buy a decent used car, pay off a year of rent in some parts of Oklahoma, or cover a major medical deductible. It’s also the kind of debt that can quietly wreck a credit score, haunt someone for years, and spiral into wage garnishments if left unresolved. For a big bank, it’s a rounding error. For an individual, it’s a mountain. And yet, the tone of the filing is as dry as a courtroom heater in July — no drama, no empathy, just numbers and legalese. The statement even includes a cheerful little note: “You're a valued customer and we want you to know that we haven't received your current payment due.” It’s like getting a passive-aggressive text from your landlord: “Hey, just checking in… about that rent… from 18 months ago.”

So what does Bank of America want? Judgment for $9,252.43, plus court costs, sheriff’s fees, and “such other and further relief as the Court may deem proper.” Translation: “Please make her pay us, and while you’re at it, make her cover the cost of dragging her into court.” They’re not asking for punitive damages, they’re not demanding she be banned from ever owning a credit card again — just the money, plus a little extra for their trouble. It’s not vengeance. It’s bureaucracy with a side of interest.

Now, here’s our take — and remember, we’re entertainers, not lawyers, so take this with a grain of salt the size of a mortgage payment. The most absurd part of this case isn’t that someone owes money. It’s that we’re treating this like a crime scene. A woman missed payments. That’s… it. No heist, no betrayal, no dramatic showdown. Just life — maybe a job loss, a medical bill, a car repair, or just the slow creep of interest that turns a manageable balance into a financial anchor. And instead of asking, “What happened?” or “How can we help?”, the response is: sue. Not negotiate. Not offer a payment plan. Not even a phone call that doesn’t start with “This is a debt collection notice.” Just straight to court, with a law firm in Colorado filing paperwork over a debt that originated from a card with a $13,500 limit — a number that probably felt generous at the time, until it didn’t.

We’re not saying Clarissa doesn’t owe the money. The documents suggest she did use the card and stopped paying. But the whole system feels… off. A bank profits from high interest rates, encourages spending, and then acts shocked when someone can’t keep up? And when they can’t, the solution is to sue for every penny, plus fees, through a third-party law firm that specializes in exactly this kind of paperwork massacre? Come on.

Do we think Clarissa should pay? Maybe. Do we think Bank of America is entitled to be repaid? Sure, in theory. But do we think this is the best way to handle personal debt in America? Absolutely not. This isn’t justice. It’s debt collection theater, and the only thing on trial is the idea that people should be able to survive without being sued into oblivion for falling behind.

So here’s what we’re rooting for: a system that doesn’t turn a missed credit card payment into a court case. A world where banks don’t profit from confusion and compound interest, then play victim when the math catches up. And maybe, just maybe, a day when “valued customer” means something more than “someone we can sue for $9,252.43.”

Case Overview

$9,252 Demand Petition

Jurisdiction

District Court of Leflore County, Oklahoma

Filing Attorney

Ashton Dewayne Sears

Nelson and Kennard, LLP

Relief Sought

$9,252 Monetary

Plaintiffs

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

Defendants

Clarissa H. Price individual

Claims

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

Petition Text

2,202 words

IN THE DISTRICT COURT OF LEFLORE COUNTY STATE OF OKLAHOMA BANK OF AMERICA, N.A., Plaintiff, vs. CLARISSA H PRICE 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 XXXXXXXXXXXXXXX1021. 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 11/30/24, the balance due at time of default was $9,252.43. 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 $9,252.43. 7. The date of the last payment made by the Defendant(s) is June 17, 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), CLARISSA H PRICE in the amount of $9,252.43, 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 15204 WILMINGTON, DE 19850 CLARISSA H PRICE 7110 S UTICA AVE APT 616 TULSA OK 74136-5157 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# 1021 October 21 - November 20, 2024 Account Summary/Payment Information Previous Balance $9,236.73 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $15.70 New Balance Total $9,252.43 Total Credit Line $13,500.00 Total Credit Available $4,247.57 Cash Credit Line $750.00 Portion of Credit Available for Cash $750.00 Statement Closing Date 11/20/2024 Days in Billing Cycle 31 New Balance Total $9,252.43 Current Payment Due $237.00 Past Due Amount $1,185.00 Total Minimum Payment Due $1,422.00 Payment Due Date 12/17/2024 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>3 years</td> <td>$9,483.00</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 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 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. 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 11:59 p.m. ET. 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 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. 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> <td></td> <td></td> </tr> <tr> <td>11/20</td> <td>11/20</td> <td>INTEREST CHARGED ON PURCHASES</td> <td></td> <td></td> <td>15.70</td> <td>15.70</td> </tr> <tr> <td>11/20</td> <td>11/20</td> <td>INTEREST CHARGED ON BALANCE TRANSFERS</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>11/20</td> <td>11/20</td> <td>INTEREST CHARGED ON DIR DEP&CHK CASHADV</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td>11/20</td> <td>11/20</td> <td>INTEREST CHARGED ON BANK CASH ADVANCES</td> <td></td> <td></td> <td>0.00</td> <td></td> </tr> <tr> <td colspan="6">TOTAL INTEREST CHARGED FOR THIS PERIOD</td> <td>$15.70</td> <td></td> </tr> </table> Total fees charged in 2024 $0.00 Total interest charged in 2024 $176.65 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>2.00%V</td> <td></td> <td></td> <td></td> <td>$9,244.39</td> <td>$15.70</td> </tr> <tr> <td>Balance Transfers</td> <td>2.00%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>2.00%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Bank Cash Advances</td> <td>2.00%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. 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. Go paperless today! - Help reduce the risk of lost, delayed or stolen mail - View your statements securely and easily - online or from our mobile app - 24/7 from almost anywhere* Simply use our Mobile Banking app or sign in to Online Banking at bankofamerica.com. When you use the QRC feature, certain information is collected from your mobile device for business purposes. * Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.