Consumer complaint received 2026-01-09 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: CA

Complaint narrative:
On XX/XX/XXXX, at XXXX pm, it started when I was interacting on XXXX until a follow request appeared. The name was XXXX XXXX who was an old friend from high school. The real friends name is XXXX XXXX. The scammer was using that accounts name while hacking the real XXXX XXXX XXXX account. In the end, I realized that it was a scammer who hacked into her account. Before I learned the truth, I followed the account and the scammer, whom I thought was XXXX, asked me to reset the XXXX account. After that, the scammer was asking me to transact money for a flavor in XXXX. The scammer was texting me on XXXX. They were pretending to be nice throughout the texting. They were going under the name XXXX. I did make those transactions, but I thought the scammer would promise to return the money. The scammer was giving me different names and phone numbers to do XXXX transactions to them. The scammer kept asking to send the money to those numbers. I did not realize that it was not a single bank account. They lied about the flavor of all of them, like asking to send money for XXXX, a bill, and other things, which they were deceiving me about for more money. The scammer was using fake videos and photos in the XXXX app to trick me into doing XXXX transactions. They made me show pictures of the transaction being completed. They lied about being XXXX XXXX, who was the real friend. The scammer was an imposter. The scammer was acting friendly and forced me to do XXXX transactions for flavors that were lies. I did not know why the scammer was sending different names and numbers the entire time. The scammer made me download the XXXX app and set up an account. I deleted the account and app. The scammer uses social enginneering in to deceive me. It continued through XXXX XXXX pm on XX/XX/XXXX. I did not realize that was an imposter until I tried to call the real XXXX XXXX, who confirmed that everything that happened was not her. It was an imposter the entire time. I was deceived by the scammer 's lies. I tried to call the Bank of America, the police, and the FTC about the incident on the same date. 
On XX/XX/XXXX, I filed a report at the XXXX. 
It was an imposter scam where the scammer was impersonating XXXX of my friends, named XXXX XXXX. The scammer deleted the fake XXXX account. 
I initially lost {$2200.00}, but I got {$1000.00} back. I need to get {$1200.00} back. 
XXXX XXXX phone number XXXX Below is the list of peoples names, phone numbers, and confirmation numbers that I was deceived into XXXX transactions from the scammer on XX/XX/XXXX : XXXX XXXX : XXXX and confirmation : XXXX XXXX XXXX  : XXXX and confirmation : XXXX XXXX XXXX : XXXX ( This number was the transaction failure for the {$1000.00} ) XXXX Double : XXXX ( Enrolled as XXXX AND XXXX XXXX XXXX XXXX ) and confirmation : XXXX XXXX XXXX : XXXX and confirmation : XXXX, XXXX, and XXXX XXXX XXXX : XXXX and confirmation : XXXX Claim XXXX FTC report XXXX : XXXX XXXX report # : XXXX XXXX XXXX Police report XXXX : XXXX The bank denied my claim on XX/XX/XXXX, because it was an authorized transaction, and they refused to reimburse me for the missing amount or provide provisional credit. They contacted the receiving banks, but they could not help me. They were negligent in their solution. I called the bank for an appeal on XX/XX/XXXX. XXXX days later, I tried to appeal my claim with the FTC, XXXX, and the police report. The bank denied my claim a second time, knowing that my incident was a crime, and refused to look at it on XX/XX/XXXX.

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 monetary relief