<prompt> Human: hello,long story short, i was a former holder of a BoA credit card that had a 5k limit on it. i went through a chapter 7 and defaulted on the card, which was maxed out at the time. as im sure youre aware, BoA was sued over signing up customers for their credit protection plans without expressed consent amongst other nefarious activities having to do with these protection plans. i was an unknowing victim of this.yesterday, they sent me a refund check for 290 that they charged me for this credit protection plan i never signed up for even though i defaulted on the credit card i had with them.so... should i give the money back? i wont lose any sleep over keeping it since its a large, faceless bank that clearly doesnt mind fucking over their customers, but on the other hand, i do try to do the right thing if i can. what do you think? would they even accept it if i tried to return it? im not really sure  <response>: Do not return this money. BoA agreed to pay certain classes of their customers certain amounts. This was a negotiation and, you may rest assured, the question of customers like you was considered, and the decision in the end was that customers who defaulted do get the refund. There is nothing underhanded, dishonest, or wrong about you accepting this money that was awarded to you. 