Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On Friday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX hours, a Sheriff 's Officer responded to a fraud call in XXXX XXXX  The caller, XXXX XXXX XXXX, requested to speak with a deputy to file a Police Report documenting her and her husband 's loss of XXXX XXXX dollars to an online scam. On my arrival, I spoke to XXXX and her husband XXXX. I learned the following : XXXX and XXXX are in the market for a tractor to grade the road in front of their property. On XX/XX/XXXX, XXXX made an online inquiry from a business called " XXXX XXXX XXXX '' about a XXXXXXXX XXXX XXXX XXXX XXXXXXXX contacted an alleged sales representative by the name XXXX XXXX via email. XXXX XXXX provided a quote via telephone for the purchase of the tractor, plus shipping and taxes. The quote totaled {$13000.00}. 

XXXX XXXX forwarded XXXX and XXXX XXXX payment instructions online. Instructions on how to electronically wire the money to " XXXX XXXX XXXX '' were forwarded to them. XXXX and XXXX XXXX wired the total quote amount from their bank account with XXXX XXXX XXXX XXXX, to an Bank of America account XXXX XXXX XXXX XXXX XXXX XXXX, Acct. number - XXXX, routing number - XXXX XXXX to expected delivery of the tractor, XXXX XXXX contacted XXXX and XXXX XXXX. Arrangements were made for delivery on XX/XX/XXXX, between XXXX hours and XXXX hours. A telephone number for the alleged delivery driver ( XXXX ) was also provided, No delivery was every made. 

XXXX and XXXX XXXX failed to receive any further communication from XXXX XXXX addressing the failed delivery. They received a text message from the alleged driver stating he lost his phone, then found it again, and he would make the deliver the next afternoon. Again, no deliver was made. XXXX and XXXX XXXX called and emailed XXXX XXXX several times. They were informed Saturday, XX/XX/XXXX the driver was in a crash and did not inform the company. 

When XXXX and XXXX XXXX requested a refund, all communication ceased. XXXX XXXX informed them he would refund the entire amount by Monday, XX/XX/XXXX. No such refund was made according to XXXX and XXXX XXXX 's bank account information. By XX/XX/XXXX, additional inquiries made by the XXXX ' were explained away as documentation errors or time delays for the transaction lo finalize. 
No further communication has been received by XXXX XXXX since XX/XX/XXXX. 

XXXX and XXXX XXXX have notified the Oklahoma Attorney Generals Office and the Oklahoma Used Car Licensing Department, the local Sheriffs Office for the jurisdiction the alleged business if physically located in, and plan to notify the Federal Bureau of Investigation of the online scam as well. 

The XXXX stated the company is fictitious, and the licensing department stated, over a phone call, that the company is real but was spoofed. Which is it?

At this point it appears that Bank of America is participating in fraudulent transactions and will provide no assistance investigating the fraud without one being a BofA account holder.

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