Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #10607831
Complaint Overview
Complaint ID: 10607831
Company: Bank Of America, National Association
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Fraud or scam
State: California
ZIP Code: 95765
Date Received: 2024-10-28T12:00:00-05:00
Date Sent to Company: 2024-10-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> ( and processed on XX/XX/year> ), I sent a XXXX payment of {$390.00} from my Bank of America account to an individual named XXXX XXXX at phone number XXXX ( alternate number XXXX ), believing I was making a legitimate purchase of XXXX XXXXXXXX XXXX XXXX XXXX ticket for row XXXX XXXX XXXX. This individual assured me that I would receive the ticket, but after the payment was made and processed, they claimed that the payment had never reached them. They then claimed that they had refunded me the {$390.00}, without providing any credible evidence. When I simply requested an update on the situation, this individual accused me of scamming and proceeded to stop all communication since XX/XX/year>, despite various attempts at phone calls and messages. Furthermore, despite claiming that the phone number XXXX was no longer available except for XXXX purpose only, this individual somehow managed to use this number to text messages with unclear meanings until XX/XX/year>, before stopping this communication as well. Before stopping the communication, this individual assured that the refund would be resolved by " this week '', meaning by XX/XX/year>. I have eventually sent a clear message to the individual via XXXX chat and the two phone numbers above requesting to respond to the choice of either delivering the promised product or a refund of my payment by XX/XX/year>, XXXX XXXX XXXX. Please note that this individual has been very active and responsive but became inactive once the payment was fully processed. I have not received any response. It has been two weeks since I have made the payment ( not when the payment was processed ) and this individual ultimately did not provide the promised item nor refund my payment. It became clear that this was a fraudulent transaction, and I was deceived into authorizing the payment under false pretenses. I authorized the transaction based on the belief that I was conducting a legitimate transaction. However, I would not have authorized it had I known it was part of a scam. While I authorized the transaction, I didnt authorize fraudulent use of the funds.
Frequently Asked Questions
What is Complaint #10607831 about?
Complaint #10607831 was filed against Bank Of America, National Association regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2024-10-28T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.