Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
On XX/XX/year>, at around XXXXXXXX XXXX  I was the victim of a criminal scam that resulted in the loss of {$5700.00}. Specifically : I received a call from someone who claimed to be a deputy with the XXXX XXXX XXXX XXXX Department, who told me that a warrant had been issued for my arrest for failing to report for jury duty ; I was told that I would be arrested and jailed unless I sent bail payments via XXXX XXXX  by text message to a phone number that they provided, and was also told that I would be immediately arrested and jailed if I went to my local Sherriff 's Office to verify whether the call was genuine. As part of the scam, the callers evidently used " spoofing '' to fake a phone number for XXXX XXXX XXXX XXXX, specifically calling from the number XXXX ; they directed me to look the number up on XXXX to verify that it was genuine, which I did. I also received a fake arrest warrant via text message from the phone number XXXX, and was ultimately directed to send XXXX XXXX XXXX payments- XXXX for {$2200.00}, another for {$3500.00} - to the phone number XXXX. The interaction comprised multiple extended phone calls, with XXXX of the scammers calling from the number XXXX before rerouting the call to the faked number for the XXXX XXXX XXXX ( XXXX ). 

Shortly after sending the money through, I realized that the call was a scam, and promptly called the support lines at both XXXX and Bank of America ( my personal bank ) to report the XXXX XXXX XXXX payments as the result of fraud, and to request that the transactions be reversed. XXXX insisted that they couldn't provide any assistance, since I sent the XXXX XXXX payments through text message of my own volition, but I was ultimately able to contact Bank of America 's fraud department to dispute both transactions. I also contacted the XXXX Police Department the next day ( XX/XX/year> ) to report the incident and file a police report, which is currently listed under the report number XXXX. Once the police report had been officially filed and logged in the XXXX Police Department 's online system, I also contacted Bank of America 's fraud department once more to provide them with the number of the police report for documentation purposes. 

Despite providing a police report and evidence of false arrest ( specifically : the fake arrest warrant that was sent to me via text message ) and impersonating a law enforcement officer, Bank of America has refused to accept my fraud claims, insisting that I was not the victim of " fraud '' because I willingly transferred the money. As such, I would like to request assistance in mediating this matter with Bank of America. While I concede that I did authorize both payments with my debit card information, I authorized them because I was the victim of several serious crimes- including fraud, false arrest, and impersonating a law enforcement officer.

If at all possible, I would appreciate any assistance with persuading Bank of America to reverse these XXXX transactions, allowing me to recover my money.

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