Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a fraud claim with Bank of America for an authorized transaction that was unknowingly a scam and sent XXXX pages of related evidence to support my claim that XXXX XXXX XXXX misled me for months about a purchase that would never come to fruition. My original claim was denied on XX/XX/XXXX. After that denial, I have filed fraud reports with the XXXX and the XXXX XXXX. My evidence includes screenshots of my alleged delivery timeline, screenshots of other people who were misled by her fraudulent activities, payment made from my account and escalated lies from the merchant once her timeline came and went. 

I faxed all of this documentation to Bank of America within XXXX hours of filing my claim to make it easier to resolve. Despite this clear evidence, Bank of America closed my claim. They did not issue a credit as their reasoning was that I should address this with XXXX XXXX, though my debit card was charged. I was told by multiple people in their fraud department when I called that since my debit card was charged I should be able to recoup this authorized third party transfer. I just needed to make it abundantly clear that I wasnt disputing the transaction itself as fraud but that I never received the goods/services that I paid for - which is what I did. 

They did not issue a credit or provide any further explanation addressing this claim especially since I did exactly what people in their claims department told me to do. This appears to violate Regulation XXXX, which requires a reasonable and good faith investigation of disputes and consideration of all relevant evidence. This has caused me financial harm and emotional durress especially since I know of at least XXXX other victims of XXXX XXXX XXXX. I have received no transparency on why my evidence was ignored. 


My letter to Bank of America is as follows In XX/XX/XXXX I was under the impression I was purchasing XXXX XXXX XXXX purses from XXXX XXXX XXXX. Her husband works for XXXX XXXX in New York and I was led to believe I could access to his employee discount and purchase bags for the holidays at a discounted rate. 

I am disputing/flagging that I never received the goods/services I paid for as the whole operation I now realize is a scam. Ive since learned other people were scammed as well - I know of at least XXXX. Im willing to send an XXXX page document of all of my correspondence involving this scam. Below is an outline of the text threads if Im able to provide attachments on future steps of this process. If not, Ill be as detailed as possible in explaining what I have to paint the best picture. 

Page XXXX : I was informed of the opportunity to purchase XXXX XXXX bags through an employee discount through a private XXXX group of friends in XXXX XXXX. XXXX presented the opportunity on behalf of her friend, XXXX XXXX XXXX. 

Page XXXX : me doing my due diligence with XXXX, the person who runs the XXXX XXXX, to confirm this is real as Ive never met the person offering the opportunity. She confirms to me it is, as shes known XXXX for years and has also purchased bags from this XXXX discount opportunity. Ive since learned she is XXXX of several women who was scammed by placing an order from the post in the XXXX group. 

Pages XXXX : XXXX introduces me to Jade in a text chain and I confirm the XXXX bags I wanted from the XXXX site XXXX This also includes my payment to XXXX through XXXX on XX/XX/XXXX. ( Sent to Phone # : XXXX. The XXXX transaction ID is : XXXX ). 

XXXX XXXX : XXXX states it could take up to XXXX weeks for me to get my delivery ( an estimated XXXX delivery at this point in time ). After a month I checkin on the status of my order and told the product hasnt arrived yet. XXXX days later on XX/XX/XXXX I follow up and Im told theyll arrive in XXXX weeks. I follow up again XXXX and told theres a back order and Ill have everything by XX/XX/XXXX. 

XXXX XXXX : XXXX reaches out XX/XX/XXXX because shes received complaints from other women and is concerned about the extreme delay. XXXX is apologetic, explains its a thorough process and that shell get back to me. XXXX calls me and I learn XXXX told XXXX that her children have been kidnapped by her ex and this has been why shes slow to respond and scattered on the details of my purchase right now. A few days later I follow up after XXXX told me the girls are safe ( XXXX victim researched XXXX alerts and there was never XXXX active in North Carolina for XXXX girls ) and XXXX promises XXXX bag is in possession and the other is unavailble until XX/XX/XXXX. I ask for a photo of the bag as proof that its in her/her husbands possession. I stated Id dispute the charge XX/XX/XXXX if I dont get a photo within XXXX days. She has been unresponsive with XXXX and I since. 

XXXX XXXX : I asked XXXX for an update XXXX. A few days later I check on XXXX as this unraveled since she had a sudden death in the family and realized possibly being scammed isnt what she should be dealing with right now. Through this conversation Ive learned XXXX has used kidnapping as a stalling tactic involving money before. At this point I am no longer interested in this purchase at all and made it clear to XXXX I would dispute if she didnt follow through with any kind of proof of these bags. 

Additional information provided by consumer : XXXX Company Name : Bank of America She did not have their contact information.

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