Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #11632136
Complaint Overview
Complaint ID: 11632136
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: Illinois
ZIP Code: 60651
Date Received: 2025-01-19T12:00:00-05:00
Date Sent to Company: 2025-01-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Alright, so I met this guy online named XXXX. He said he was from XXXX and had this whole story about how he was moving to the U.S. We started talking every day, and honestly, I thought this was real. He knew exactly what to say, made me feel like we were building something. Then things changed. He started talking about how his money was tied up overseas. He couldnt get to it and said he needed help covering stuff like travel, legal fees, and other things so he could move here faster. He promised over and over hed pay me back once he got here. I believed him. I mean, I really thought this was legit. I sent money to a few different people he said were helping him out : {$2700.00} to XXXX XXXX {$2000.00} to XXXX XXXX {$2000.00} to XXXX XXXX {$2000.00} to XXXX XXXX At first, he was super thankful and kept reassuring me everything was fine. But then, the messages started slowing down. Hed make excuses about why he couldnt call or text as much. Then out of nowhere boom. He ghosted me. Thats when I realized Id been scammed. Those names? Probably fake. Those emergencies? All lies. He played on my emotions, made me feel like I was helping someone I cared about, it was all just a setup to steal my money. Looking back now, its so obvious, but in the moment, I didnt see it. If someone youve never met starts asking for money, dont fall for it. I wish Id known better, but now Im telling you dont let this happen to you.
Frequently Asked Questions
What is Complaint #11632136 about?
Complaint #11632136 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 2025-01-19T12:00:00-05:00.
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.