Consumer complaint received 2025-02-03 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

Complaint narrative:
I am complaining against the Bank of America for not responding to my official request through the XXXX ( my bank, where I have bank account in the XXXX ), to refund back to my XXXX bank account of the amount of XXXX XXXX Pounds, I requested to be transacted, but appears troubled for unknown reason ( case ref. number XXXX XXXX XXXX ). 
History On XX/XX/year> I asked the XXXX XXXX at XXXX after a personal visit there, for a transaction of XXXX XXXX pounds ( equal to XXXX XXXX Dollars ) from my XXXX account to the Bank of America National Association, belonging to XXXX XXXX XXXX XXXX, account number XXXX, beneficiary bank swift : XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The Address of the Bank of America National Association of this account is XXXX XXXX XXXX, XXXX, XXXX : XXXX The XXXX Deal ID : XXXX Confirmation number : XXXX This Bank of America account was given to me by a friend of mine, name XXXX XXXX and belongs to a seller and I asked for this transaction for that friend of mine, to take some goods ( jewels ) from that seller. 
The amount was taken from my XXXXXXXX XXXX account on XX/XX/year>, and according to what I was told through that friend, being in contact with the seller, the amount appeared as pending in the sellers account on XX/XX/year>, on XX/XX/year> the pending note disappeared, but the amount was not dropped in that account, for unknown reason. According to that friend of mine, who is in contact with that seller, as she couldnt take the goods, asking her to contact the seller about this, she told me that the seller declared that the amount never dropped in the sellers account, and additionally the account was blocked. 
Since then, that amount XXXX XXXX Pounds is neither dropped in, nor returned to me, although I requested tracking investigation and because of this, I demanded to have that amount refund back to my bank account, during a personal visit at the XXXX branch about this, in the XXXX XXXX on XX/XX/year>. 
The tracking number of the transaction, as given to me by the XXXX, is : XXXX XXXX After 4 more visits at another XXXX branch in XXXX, XXXX XXXX XXXX XXXX, on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, to discuss the matter and the no reply by the XXXX about investigating this case, since I asked for it on XX/XX/year> and started ( case ref. number : XXXX XXXXXXXX ), the XXXX confirmed through two mail replies on XX/XX/year>, XXXX, and on XX/XX/year>, XXXX, that the transaction was completed, so likely the above referred bank holder of the Bank of America should have received that amount. There was no reply by the Bank of America regarding my request for refund of that amount back to my XXXXXXXX XXXX account. 
After contacting again with that friend of mine, to inform the seller about it and to check the bank account the seller has, the seller insists that the amount is still not dropped into that account. 
I asked the XXXX for an official full investigation for possible fraud, about this transaction and that Bank account of the Bank of America, and demanded again that amount of XXXX XXXX Pounds to be refunded back to my XXXXXXXX XXXX account, as first requested on XX/XX/year> and repeated in all the next visits and phone calls I did to the fraud team of the XXXX, but there is still no reply by the Bank of America, despite the almost 5 months time since XX/XX/year>, when I first requested that amount to be refund to me. Of course, I do know that the Bank of America, keeping that amount, is profiting from investing it through loans, other investments in shares etc, against me, as I dont have it for that long time. 
Additional information : Sometime later, I was informed that there is a companion of that seller in the XXXX, having a bank account at the XXXX XXXX  : Account name : XXXX XXXX, sort code : XXXX, Account Number : XXXX. At that account, as solution of need, I transacted the same amount XXXX XXXX XXXX on XX/XX/year>, so as to go on with that friend of mine for the goods to be received by her, while waiting for the response about the process of this case about the transaction to that Bank of America bank account. Indeed, that 2nd transaction worked. 
After all the above, I am complaining against the Bank of America for not responding to my official request through the XXXX, to refund back to my XXXXXXXX XXXX account of the amount of XXXX XXXX XXXX, appears troubled for unknown reason, and I demand : XXXX. The whole XXXX XXXX Pounds ( XXXX XXXX Dollars ) to be refund back to my XXXX bank account as soon as possible. 
XXXX. An additional XXXX XXXX Pounds ( XXXX XXXX Dollars ), representing 50 % of that amount, as reasonable compensation, for loosing profits from it, as still not refund, while the Bank of America is definitely expected to have profit from it throughout all that time since XX/XX/year>, plus the frustration I have experienced throughout all these months with this case, still continuing, and the damage of the Banks faith/loyalty/credit/trust towards me. 
Keeping my reservation rights to escalate this complaint further, if not satisfied, Id be very grateful to have a reasonable reply, response and relevant necessary actions to all the above. 
In respect with honor, Yours sincerely,

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