Consumer complaint received 2018-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank of America {$1300.00} XX/XX/XXXX Saturday - I was selling a nightstand on XXXX and a women XXXX XXXX contacted me regarding it. She told me she is interested in it and will transfer money into my account and ask me to give my account number. I gave her my account number and she did a teller transaction of {$1300.00} to my account instead of {$130.00}. My banking account was showing {$1300.00} on it. So I thought this is legitimate transfer. She then contacted me and said by mistake she has transferred more and if I can XXXX her money back it will be helpful. I was not aware it was a scam and so I XXXX her {$1100.00} back around XXXX XXXX. After sending the money back I get to know it was a scam so I went to nearest Bank of America Center and I got an appointment at XXXX XXXX same day. I thought since XXXX is an application within my online banking I am safe. I told the whole story to the banker XXXX XXXX and she saw herself that there was a teller transaction of {$1300.00} and called the claim department on behalf of me to file a claim of {$1100.00}. I filed a police complaint on the same day. I have informed my university and campus police also. I also filed an FBI report. 

XX/XX/XXXX Monday - I called the bank fraud department at sharp XXXX XXXX and they started directing me to one department to another. I told my story to some 5-6 banker again and again. 

XX/XX/XXXX Tuesday - I logged into my account and saw the teller transaction of {$1300.00} which that impersonator has made was gone and a claim of {$1300.00} posted to my account. I called the bank again and since the teller transaction was not present there, nobody trusted me. Also, I get to know the impersonator ( XXXX XXXX ) have filed a claim of {$1300.00} on my account. The bankers have no clue what was going on and told me the research was going on. 

Since then, I called the bank every other day and they keep directing me from one department to another. Sometimes they give me false information that my claim has been declined and other times they will say they don't have any information in their system. 

XX/XX/XXXX Friday - I called again and asked the banker ( XXXX ) to let me talk to their supervisor regarding this. She said the supervisors are always busy and she will take my request and give it to the supervisor so that they can call me on Monday or Tuesday. I was waiting for their call, nobody returned a call me so I called back on XX/XX/XXXXWednesday and I talked to the banker ( XXXX from Tennessee ) I told him my whole scenario again. He filed an escalated claim for me. I have no clue why didn't they do the escalated claim before. 

XX/XX/XXXX - I called again for my claim status and the banker XXXX told me they don't have any information yet. 

XX/XX/XXXX - I called again and the banker told me that the bank has found me liable and there are no funds present in the scammer account so I won't get my money back and told me to get information of the person through subpoena and go to court. Also told me since there is no transaction of {$1300.00} on XX/XX/XXXX was showing the bank can't trust me. I was complaining from the very first-minute about the incident and in the last I was the held responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation