Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
On XX/XX/year>, I was a victim of an impersonation scam of a deputy. I was at work when I received an incoming call from an unknown number. I answered, thinking it was the doctor from the behavioral facility for my son, since they had contacted me a few times from an unknown number. They introduced themselves as XXXX XXXX XXXX from XXXX XXXX. I was told I failed to appear in court as part of a jury for a high-profile gang member murder of a child. This was described as a classified case. I informed the deputy that I never received a summons. The deputy explained that an appearance letter was mailed on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I informed the deputy that it had been a year since I lived at that address. I was asked if I updated my address with XXXX, and I responded no. The deputy continued to explain that this was the problem, since my address was not updated. Someone at that address signed the letter and mailed it back. I was told this was now considered a federal case since the judge was not aware. I was told I had XXXX warrants for my arrest and was listed as XXXX. I was told not to worry and that I had XXXX options : turn myself in for the weekend or pay my warrants. which increased my fear and sense of urgency. I expressed that I was not turning myself in and agreed to pay my warrants. The deputy explained that since I agreed, I needed to fully adhere to all terms. I could not end the call at any time or mute it. Failure to do so would result in me going to jail. I was instructed to make my way to XXXX XXXX XXXX, XXXX, TX XXXX, to meet with a signature analyst to compare my signature. However, I needed to pay my warrants before heading to the station since I could be arrested. I was told I needed XXXX forms of identification : ID, Social Security card, or passport. Once everything was verified, I would be reimbursed. I asked for permission to leave work. This is when my manager asked the deputy to verify himself. The information given was XXXX XXXX XXXX, badge # XXXX or # XXXX, XXXX XXXX. During the call, I received emails from XXXX XXXX, including documents labeled as warrant and bonding paperwork, and application for bond explaining payment methods, I filled out the application.The caller used convincing tactics, including radio-like background noise, to impersonate law enforcement. Out of fear of immediate arrest, I authorized payments totaling approximately {$2000.00} using XXXX XXXX. I received email confirmation from XXXX XXXX with a bonding receipt and another email with a bonding voucher. While driving to the location, I was told there were issues with my payment and was instructed to send additional funds, I was refunded {$2000.00}. This time XXXX payments of {$1000.00} due to XXXX warrants, I even contacted my bank at the callers direction to increase my payment limit. The deputy was still on the line with me and asked how far I was from the station. I responded XXXX minutes. I was then told I needed to come to the station the next day since the signature analyst had left XXXX minutes earlier and they were just informed. The following day, I went in person to the XXXX XXXX XXXX XXXX and was informed that this was a scam. I immediately contacted my bank to report the fraud and filed a police report with local law enforcement. Bank Response : After filing my claim, my bank initially credited my account but later reversed the credit on XX/XX/year>, stating that no error was found because the transactions were authorized. I was told this was not considered fraud and that I am responsible for the full amount. I was also denied the opportunity to speak directly with the dispute department. Despite explaining that I acted under deception, coercion, and fear of arrest, the bank has refused to reconsider. I have now been given 60 days to repay the negative balance. Why This Is a Problem : These transactions were not truly authorized. I was the victim of an impersonation scam involving someone posing as law enforcement, using threats and coercion to force payment. I did not knowingly or willingly send money for legitimate purposes. The bank failed to properly recognize this as fraud and did not provide meaningful support or recourse. This has caused severe financial hardship, as I have lost my entire savings and am struggling to cover rent, bills, and basic necessities as a single parent. Requested Resolution : I am requesting that the bank : Reopen and fully investigate my fraud claim Reimburse the stolen funds Remove any negative balance associated with this incident Provide appropriate hardship assistance while this matter is under review Additional Information : I did not recognize the situation as fraud at the time due to the convincing impersonation and threats of arrest. I only became aware it was a scam after visiting the sheriffs office in person the following day.

Company response to consumer: Closed with explanation