Consumer complaint received 2023-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX Scam XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Subject XXXX XXXX XXXX XXXX  Fraud Summary On Sunday XX/XX/XXXX, I received an email from XXXX advertising the sale of Land at XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX. I contacted the owner, XXXX XXXX, and submitted an offer of {$170000.00}. The offer was docusigned by XXXX XXXX and me. The offer included XXXX earnest money. 

I sent a {$5000.00} check to XXXX XXXX 's address on XXXX XXXX in XXXX. XXXX XXXX said he was not currently at that address, and asked that I XXXX the XXXX to his attorney, XXXX XXXX. I sent the money on XX/XX/XXXX in two transactions ( XXXX, XXXX ). 

I contacted XXXX XXXX  XXXX XXXX, XXXX XXXX LA XXXX for closing. After 10 days, XXXX concluded that the person acting as the seller was not the actual owner, and that this was a scam. XXXX says that they have what appear to be accurate ( if forged ) photo documentation as driver 's license, so it's unclear why the contract didn't close. 


Seller Information - XXXX XXXX The seller is XXXX XXXX. His address is x XXXX XXXX, XXXX XXXX, LA, XXXX. 

His telephone number is XXXX XXXX XXXX. His email is XXXX. It is difficult to get reliable information on XXXX XXXX using the phone number and email using reverse lookup sites. 

XXXX reports the owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Escrow Agent Information XXXX XXXX XXXX The escrow agent who received the XXXX earnest money XXXX XXXX XXXX XXXX. Her email is XXXX. The money was transferred using a XXXX ap hosted within a Bank of America ap. Reverse lookup contact info include XXXX XXXX ( landline ), XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, relatives and neighbors. Another address is XXXX XXXX XXXX, XXXX XXXX XXXX owns XXXX XXXX apartment ( XXXX ) XXXX XXXX XXXX XXXX is cited by XXXX XXXX Title XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX said she would forward me the documentation ( photo, wire destination, etc ) she received from XXXX if she got approval from her attorney ( XXXX XXXX XXXX owner/founder of XXXX XXXX  ) XXXX I haven't received the documentation yet. 

Tracking of {$5000.00} XXXX XXXX refers fraud complaints to the parent ap, Bank of America in my case. I submitted a fraud claim to Bank of America and received a response that they investigated the case and there was no fraud. It was clear that the investigation did not go beyond looking at my account balance. The Bank of America response stated `` Bank of America will not deposit money into your account. '' The BoA response was really that bad. I contacted BoA, and spoke with XXXX, badge XXXX, who, after soliciting input from the BoA fraud team, indicated that the money was transferred into a XXXX XXXX  account. She would give me no additional details. 


In addition to BoA, I've filed a fraud case with the XXXX XXXX police department, XXXX Tx police dept, Consumer Financial Protection Bureau, and the FBI XXXX office. As of XX/XX/XXXX, I have not used pay resources in an attempt to locate the seller or escrow agent, thinking the agencies who investigate fraud are experienced at this. I have not tried to contact XXXX XXXX. I have not received a response from any of the agencies who investigate fraud. 

My complaint is against Bank of America.

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