Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #5971300
Complaint Overview
Complaint ID: 5971300
Company: Bank Of America, National Association
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
State: New York
ZIP Code: 11101
Date Received: 2022-09-11T12:00:00-05:00
Date Sent to Company: 2022-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been scammed over XXXX on XX/XX/2022. A XXXX user XXXX XXXX offered to sell 4 tickets to XXXX XXXX XXXX XXXXXXXX. She asked {$200.00} for them and told me to XXXX money to her sisters account : XXXX XXXX, XXXX. She received the money and a couple of hours later she emailed me some XXXX codes. The XXXX codes did not look right, because my friend purchased tickets directly from the company and they looked different. So I texted her back via XXXX XXXX and asked for the original emails with the tickets, but she never replied. Over the next couple of days, I repeatedly emailed and texted XXXX XXXX, but she never replied. On XX/XX/XXXX I went to XXXX XXXX XXXXXXXX page and found that she deleted our conversation, and she keeps commenting under different posts, selling the same fake tickets to other people. This was the moment when I realized that I got scammed. I contacted Bank of America on XX/XX/2022 and reported the loss of funds, but was told that the investigation can take up to 90 business days and theres no guarantees that I will get the funds back. When I asked the bank representative for a Regulation E dispute guidance, she said its not my case since the transaction was authorized. I replied by reading that the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent P2P transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. Her tone changed and she answered, let us do our investigation. Since it can take up to 90 days for the bank to investigate, and the deadline for a Regulation E dispute is only 45 days, I thought its best to file this complaint immediately. On XX/XX/XXXX I also reported this scam incident to FBI Internet Crime Complaint Center at XXXX and to Federal Trade Commission at XXXX I will attach all the documents connected to the scammer ( messaging with XXXX XXXX, my email to her that she never replied to, screenshots of her XXXX page, her comments on XXXX XXXX XXXX XXXXXXXX page, fake tickets she sold ). I also just purchased new tickets from the event website. Let me know if you want me to send those to you too, since they are absolutely different from what she sent. Please, see the scammer 's XXXX page here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #5971300 about?
Complaint #5971300 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 2022-09-11T12:00:00-05:00.
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.