Consumer complaint received 2016-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I was victim of a scam. I was contacted through my website by a guy named XXXX XXXX. He wanted to purchase lamps from my store for a XXXX in XXXX and needed me to ship them to XXXX using a shipping company he usually worked with. A guy named XXXX XXXX got in touch with me using a shipping company name from a company that actually exists ( XXXX XXXX XXXX ) and asked me to deposit the shipping costs to assure the freight date. After receiving the money from XXXX XXXX credit card, I made the first wire transfer to the shipping company who had a ( fraudulent ) account on XXXX and began with the production of the lamps. A few days later XXXX XXXX contacted me again, telling me his client from the hotel wanted XXXX more lamps but he needed me to asure the shipping of the XXXX lamps could be done the same day. So I contacted XXXX XXXX to make sure he could book the shipping for the XXXX remaining lamps on the same day. After sending the second purchase order to XXXX XXXX he gave me a different credit card to charge for this order, I had problems charging the complete amount so I called XXXX ( the company who works with Bank of America to provide merchant services ) and explained I was having problems charging the card XXXX had gave me, they told me there was nothing wrong with the card but my average Ticket was to small to make that transaction and actually suggested dividing the transaction in smaller amounts, which I did. This time the shipping company gave me a Bank of America account telling me it would be easier and quicker for me to make a transfer if it was from the same bank. 
A week passed and I was already finishing the lamp production when XXXX contacted me again, he wanted more lamps, it just did n't sound right. He was asking for XXXX more lamps and was not worried at all about the delivery or how the production was going. After making some XXXX research, calling the shipping company and realizing XXXX XXXX did n't work there and that the account he had given me was n't from XXXX, I realized this was a scam and immediately called Bank of America to ask for a charge back for the money I had transfered to the shipping companys account in Bank of America but had positive results, since the account had already been closed and the funds withdrawn. 
Bank of America was not interested in investigating more from the person who opened the fraudulent account with them and told me I had nothing left to do to recover that money. 
I got charged back for everything I charged on the credit cards XXXX XXXX provided and now Bank of America wants me to pay for all the charge backs, blaming me to be the only responsible for accepting a credit cards that ended up being fraudulent, after, I was charged by Bank of America a ridiculous {$660.00} dls of fees for the credit card transactions I did. 
I was the victim here and this criminals used institutions like XXXX, Bank of America and XXXX to commit their scam. 
Its incredible that XXXX never suspected the cards I was given where fraudulent and even helped me figure out how to complete the charges when I was having problems but it is even more absurd that Bank of America has all the information of a fraudulent account that was opened in their bank and has no interest on catching this people and instead are targeting me ( a 2 year loyal customer ) to pay for the complete chargebacks. 
The other problem I am facing now is I got blocked from XXXX services for the chargebacks I received and now Im loosing some sales since I ca n't charge my clients with credit cards.

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 monetary relief