Consumer complaint received 2017-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

COMPLAINT TO BANK OF AMERICA : On XXXX XXXX XXXX, I transferred {$140000.00} cash from my Bank of America ( BoA ) checking account to a XXXX XXXX XXXX ( XXXX ) account which was a fraudulent account that I found out later. The cash transferring was supposed to go to XXXX XXXX XXXX for closing a purchasing of a house. The origin correct wire transfer Instruction was sent through email from the XXXX XXXX XXXX. But the origin email was altered by some crime people. The altered wire instruction from email requested me to transfer the fund to the fraudulent account. I didnt know the instruction was altered and followed the instruction. The crime people who altered the wire instruction are still at large as of today. I reported the fraudulent wire issue to BoA on XXXX XXXX XXXX, to FBI on XXXX XXXX XXXX, to XXXX on XXXX XXXX XXXX. On XXXX XXXX XXXX, BoA started to contact the XXXX and reversed the 56 % of the wire transferring, {$83000.00}, backing to my account. I still lost {$63000.00} in my BoA account. If BoA treated this wire transfer as a fraud wire when I reported this scam on XXXX XXXX, I would have got the most of the fund back ( not only 56 % the fund back ). The BoA fraud department was not involved in working on this scam so far. The individuals at BoA Claim group I contacted didnt report the fraud wire matter to the BoA fraud department then. They handled this scam as the regular recall and missed two months before recalling 56 % of the fund back. XXXX XXXX, XXXX, XXXX, XXXX, I called BoA three times, reported the scam, and asked BoA to contact XXXX this scam and recall my fund back. I was trying to stop any withdraw transaction from my fund in the fraudulent account at XXXX. However, BoA claim group didnt treat this scam as a fraud case and they told me that BoA needed 10 business days to approve the recall. 11 days later, On XXXX XXXX, the regular recall was sent to XXXX. So the first recall was delayed by 11 days. On XXXX XXXX, I emailed BoA CEO and reported this fraudulent wire again. On XXXX XXXX, BoA sent the second recall to XXXX. On XXXX XXXX, XXXX replied with The fund is not available for accessing. For two months, between XXXX XXXX when BoA sent the first recall and XXXX XXXX, in BoA, there was no personal contacting XXXX for this scam except sending the second regular recall. Until XXXX XXXX, XXXX XXXX from BoA Claim group sent me a letter and said she started to work with XXXX to get whatever amount left in the fraudulent account back. She did get {$83000.00} ( 56 % of the origin fund ) back. If this personal contacting action had started XXXX months earlier, I would have recalled much more money back. It seems like that BoA fraud group didnt want to touch my case because, on XXXX XXXX XXXX, XXXX XXXX from XXXX sent me a letter and stated that for 24 days, from XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX made several attempts to speak with BoA Fraud Department in an effort to obtain additional information about the transaction ; however, we have not been successful as of the date of this letter. On XXXX XXXX, XXXX, BoA Electronic Claims Services mailed me and stated We consider this matter resolved. But I think because BoA delayed two months the crime people got more time to steal more money. BoA should have treated this transaction as a fraud wire at beginning. I wand BoA to pay me back the rest of the fund I lost which is {$63000.00}. I also think my loss should be covered by BoA Fraud Insurance. COMPLAINT TO XXXX XXXX BANK : This fraud wire transfer ended at a fraudulent account in XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX at XXXX at XXXX ( Eastern ) on XXXX XXXX, XXXX. The call lasted 20 minutes. I was not the XXXX customer but I reported this fraud wire transfer and the fraudulent account. I called XXXX at XXXX at XXXX ( Eastern ) on XXXX XXXX, XXXX. The call lasted 25 minutes. I was not the XXXX customer but I reported this fraud wire transfer and the fraudulent account again. I sent a XXXX to XXXX CEO ( XXXX XXXX XXXX and XXXX XXXX XXXX ) on XXXX XXXX, XXXX and reported this fraud wire transfer the third time. I sent a certified mail to XXXX CEO ( XXXX XXXX XXXX ) on XXXX XXXX, XXXX and reported this fraud wire transfer the fourth time. But XXXX stated, in XXXX XXXX, XXXX latter, that XXXX got my first report from my XXXX XXXX mail. This was causing a delay to stop the fraud transfer getting worse.