Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'Summary of XXXXTestimony\nXXXX Testimony \n\nXXXX XXXX XXXX XXXX  contacted me and offered me to work full/part time online position and earn XXXX. Requirements US citizen or Permanent Resident age XXXX XXXX XXXX XXXX XXXX contacted me and mentioned that I can earn at least XXXX  a month steadily and she even mentioned She said that it is a flexible online remote work working hours are XXXX XXXX XXXX She said that I can get paid from XXXX XXXX XXXX XXXX  She said that XXXX XXXX XXXX XXXX XXXX XXXX where app developers publish their apps on XXXX XXXX XXXXm. The company has XXXX XXXX  that helps apps generate data and traffic. She said that Our job responsibilities: Like apps published by app developers on the XXXX XXXX every day to increase the apps ratings, ranking exposure and purchases, just like we usually do on XXXX XXXX XXXX they need Get more views and likes to attract more followers She also said that I have a great part-time online job to share with you. All you need is a phone or computer to start this job right away, and our hours are XXXX XXXX XXXX XXXX, but you can start anytime during that time. Once you get familiar with the job, it only takes about XXXX XXXX XXXX  minutes per day. Once the job is completed, you will be paid immediately and the money will be withdrawn to your bank account. Daily pay ranges from XXXX XXXX XXXX XXXX  salary is divided into basic salary and commission Basic salary: complete 2 sets of tasks every day -5 consecutive days, you will get a basic salary of XXXX -15 consecutive days, you will get a basic salary of XXXX XXXX consecutive days, you will get a basic salary of XXXX So the monthly salary is XXXX which is a fixed salary Daily commission Complete 2 sets of data calculations every day, and you can withdraw the commission earned on that day First, I can walk you through the process with a training account, and then you can learn more about the company, how we upload data, and how we make money from it so you can understand it better. Do you have an hour or so for training now? And I said Yes I am available now OK. I will send you the XXXX XXXX here is the link, you can take a look. But as a user of the data provider, you need to register a user account with your phone number, okay? Registration is free, but it will not infringe on your privacy XXXX Invitation code:XXXX After registration, send me the invitation code and I will register a training account for you and start training I said Maam i just copied the invitation code that you sent me. Invitation code:XXXX  I am on the dashboard already Maam. She said When you log in to your work account, click the "Profile" button in the lower right corner of the page Then find your invitation code at the top of the page and click the "Copy" button to copy your invitation code to me XXXX  : Invitation Code XXXX I will apply to register a training account for you now, please wait Done I have registered a training account for you, please log out of your account now and then log in to your training account to start your training plan Username: XXXX XXXX After logging in, please take a screenshot and send it to me, and I will guide you step by step. I said I am logged in using my XXXX  Maam. My XXXX  is on my phone. I just took a XXXX XXXX XXXX XXXX XXXXXXXX Maam Yes, the balance is correct and there is a XXXX  bonus for every new account you sign up. Then I use XXXX as a starter fund for training and after you complete the training you get 20% of the commissions earned from this account There are 2 types on the work platform 1.Normal package: XXXX  commission 2.Combination package: commission is 10 times of the normal package, that is 5%. I said It is saying the balance is insufficient and it is not letting me proceed from XXXX Maam She said Wow! You\'re so lucky you came across the combo package, thanks to your luck we\'ll get XXXX XXXX! Here are two application tasks "Pending" and "Submit Now", this is a combined task phenomenon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, compared with all "Completed" application tasks XXXX XXXX", the commission is 10 times more, see it? This is a random package containing 1-3 applications. When we get a package application, its data value exceeds my balance, resulting in insufficient balance, so we need to replenish the balance to complete it. But the probability of it appearing is relatively low because its commission is 10 times that of a normal package, so it\'s a lucky package randomized by the system. Please wait a moment, I need to deposit now because this is the account I registered, I will notify you when the deposit is completed. Done. I deposited the money into the training account. The system updated the account balance. Now go to the record, click Submit Unfinished Tasks, and continue to complete XXXX tasks. Once the submission is completed, all funds will be returned to the entrusted account, and then continue to execute the remaining tasks. Please notify me when XXXXXXXX tasks are completed I have a little surprise for you. Please log out of your training account, log in to your account, and send me a screenshot of your balance. Maam I am not able to log in to my account. You forgot your username? You can try using your phone number Username: Enter your phone number Click the marked location to contact XXXX  to retrieve your username Send me a screenshot  Congratulations! This is the commission you earn for completing tasks on your training account. This is what you deserve  This is the process of optimizing your application and uploading your data. You can now complete XXXX optimization tasks in your account. I am logging into my training account to withdraw money, when you complete a set of tasks please let me know and I will tell you how to withdraw money from your account and unlock the next set of tasks. You did very well! You just earned another XXXX XXXX XXXX XXXX XXXX Now do you understand how to make money from this job task? Although it seems that we are just "clicking" a task, we are already paying for it, so it can increase the purchase and exposure of the application, downloads, reviews, etc., and then improve its ranking in the app store. This helps to generate data and traffic, which in turn improves the ranking of XXXX XXXX XXXX, and even increases company stocks, attracting more users to download and use. Do you have XXXX XXXX? Please open your XXXX XXXX and send me a screenshot I will now teach you how to use XXXX XXXX to link your work account This way you can receive your salary and commission through XXXX XXXX Is the money cryptocurrency Maam? Yes This is due to the first time you use the XXXX XXXX XXXX XXXX XXXX So XXXX XXXX needs to conduct real-name authentication with you You only need to fill in the relevant content according to the prompts and complete the real-name authentication Usually within 30 minutes Open XXXX XXXX and send me a screenshot. I will guide you. After completing the withdrawal, just wait patiently for the money to arrive in your XXXX XXXX Due to the slow XXXX XXXX it will take about 10-30 minutes for the money to arrive in your XXXX XXXX After we finish work every day, we need to withdraw all the balance in our work account. Otherwise, the system will think that the account is operated by AI. This is prohibited by the company When the money arrives in your XXXX XXXX, you notify me and I will teach you how to convert XXXX XXXXnto cash and deposit it into your bank account You have successfully been trained and earned commissions You can reset the task today, continue to complete 2 sets of XXXX XXXX, and earn another commission And when you complete the 2 sets of XXXX XXXX after the reset task, you will become a formal employee of the company. If you keep working every day, you can receive a salary of XXXX XXXX XXXX XXXX XXXX Do you want to reset the mission now? Now I will teach you how to reset the task. Resetting the task is very simple. The only requirement is that you need to have at least XXXX XXXX in your work account Its actually very simple, you just need to buy XXXX worth of XXXX XXXX XXXX XXXX and send it to your work account, so that the XXXX will be automatically converted into XXXX  After completing 2 sets of XXXX you can get XXXX and withdraw it to your XXXX XXXX Add money Enter XXXX  Open your work account and contact XXXX to get today\'s XXXX address XXXX Paste the address given to you by XXXX into To Click the arrow to confirm. Then click Next Send me a screenshot Continue taking screenshots Send this successful delivery certificate to XXXX  for review Yes, awaiting review XXXX This is your XXXX XXXX XXXX XXXX, send it to XXXX and you can start your XXXX XXXX XXXX  mission Since I am your referral, your reset code will be sent to my email in the first week, and then I will forward it to you. After 1 week, you can apply to have the reset code sent to your XXXX  This also helps to establish a closer connection between the referrer and the new employee, enabling timely resolution of any questions Now you can go and do your first set of XXXX. Let me know when you are done. Refresh XXXX  This is your second set of reset codes. Tell me when you are done and I will guide you to withdraw your funds Wait patiently for the funds to arrive in your XXXX XXXX Let me know when your funds arrive By the way, we have a discussion group where we often discuss and share details about this work. Now I would like to invite you to join so that when I dont reply to your message in time, you can directly ask for help in the discussion group XXXXXXXX This is the link to our group. Click on it to enter our group Once you are in the group, I will introduce you to them. I believe they can help you when you need it Today is your first day of registration. For 5 consecutive days, you will receive XXXX XXXX. The commission earned today is not much, but in the coming work I will show you ways to earn more You have been successfully employed by the company and I hope you will appreciate the job. Yes Maam , I appreciate the job  Because it\'s a job where you can make XXXX a month. I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in debt from the epidemic until I got this job and I paid off my debt and improved my life and my XXXX XXXX. Tomorrow I will teach you how to get more commissions and teach you the other rules of the platform Wow Maam i am a XXXX XXXX XXXX. I have an XXXX XXXX now Maam. Am looking forward to make XXXX  a month with this job Maam. Yes this job is to improve the quality of our lives and our XXXX XXXX Maam. Yes Maam. I am so excited. You are heaven sent Maam  I know the difficulties of being a XXXX XXXX I will definitely help you make more money Hi Maam I can start work now Maam Thank you very much  We\'ve been talking about work, so let me formally introduce myself  My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX platform is a data promotion platform that cooperates with XXXX  companies strategically. We help XXXX improve data, increase XXXX popularity and exposure, attract more users to download, and we earn commissions and wages In the Internet era, traffic is the highest value. Many companies choose to increase exposure through advertising and obtain huge amounts of data traffic. Application promotion is a new way to obtain traffic. Application promotion can increase a company\'s exposure, ratings, and purchases, which is very important for the company and can even drive up the company\'s stock price. This is why our commission comes from cooperation with application companies We do the same thing, helping application developers promote their software so that more people can use it or even buy it. In fact, this is the same purpose as us earning advertising fees So we\'re really relying on traffic to earn commissions You used XXXX  to reset your job, and today you deposited XXXX The more funds we have in our account, the more commissions we earn. If you encounter a combination package, you will get 10 times the commission So both funds and combined packages will allow us to earn more commissions Yes, it requires some luck, the combination packages appear randomly and we cannot predict them Dear, you have been signed in for five consecutive days can get XXXX  basic salary, you can immediately withdraw the earned salary, or you can leave the salary in the work account to continue to earn commissions! Since your debit card is limited, I suggest you use XXXX wire transfer Open your XXXX XXXX and I will guide you through it We can try the XXXX XXXX Using XXXX XXXX XXXX  I don\'t think this will work, let\'s try a wire transfer and it will be done tomorrow Still not working Let\'s choose wire transfer, it will save us a lot of time Open your XXXX account Open your online banking app Follow the information from XXXX  to complete the wire transfer correctly Many banks in the United States are not very friendly to XXXX Because it can affect the bank\'s interests. So banks don\'t like it when people buy it. Banks usually ask you why you want to buy cryptocurrency. You tell the bank that you are a trader of some XXXX and that you have been following the market lately. You want to invest some XXXX  in your XXXX XXXX XXXX XXXX XXXX allows people to buy and hold BTC. banks just don\'t like it Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\'s my experience Share it with you Dear, don\'t worry, XXXX  is safe. You just need to tell the bank that you need to buy XXXX  for investment. I don\'t recommend you to tell the bank that you are for work. If you say it is for work, it will be difficult for us to pass it smoothly. You just need to tell the bank that you are a cryptocurrency investor and you just use it to buy Bitcoin. If the bank asks you who recommended you to use this XXXX, you need to say that you saw it on XXXX You have also carefully studied this exchange. It is a formal exchange Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\'s my experience Share it with you Tell them you want to buy bitcoins and it will be done for you as soon as possible. That\'s my experience Share it with you Open your online banking app XXXX XXXX for the bank to deduct the money The bank will call you to confirm You only need to answer to buy BTC It\'s okay, we can apply for reimbursement of the handling fee OMG, you will get a big commission Have you read the platform\'s announcement The maximum number of encounters per person is XXXX. This is really rare. I think it\'s a sales tactic of the merchants Each person will encounter a maximum of XXXX . That\'s the limit Open the task and give me a screenshot After completing the last package, you can withdraw approximately XXXX Yes, it will cost about XXXX Yes, this is our last package, once it is completed we can withdraw all funds You will receive a large commission XXXX let me know when you are ready and I will guide you through the wire transfer Because you still have 5 orders to complete, your account funds will continue to allow you to make some money. When you complete all the tasks, you can withdraw about XXXX This is our last package. The system clearly stipulates that we have the opportunity to encounter XXXX packages every day. Completing this package means the end I want you to assure me that our work is legal. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I will not do anything illegal No, this is our last combo package, we won\'t be seeing the next one We can wire to XXXX account This is our third combined package. The system clearly stipulates that we can only encounter 3 at most. I have also encountered 3 combined packages Maam they will charge me a penalty Maam for getting the CD prematurely Maam it should have matured this XXXXt Maam Maam there is a penalty of XXXX cents Maam It might take to 1 Bussiness day Maam How much should i wire Maam?  Approximately XXXX Maam i spent XXXX XXXX on the wire transfer from XXXX to bank of america  at their office Maam plus XXXX XXXX Maam today then I spent another XXXX XXXX for the wire from bofa to XXXX XXXX Maam  Hope and pray we get our commisions today Maam  You can get the joy of commission immediately  Maam another combo What? How is this possible? You will never come across a combo pack again. I need to confirm. You encountered three combo packages. This is the fourth one, right? Please wait a moment. Let me check our chat history. I checked and found that you encountered one combination package in the first set of optimization tasks and three combination packages in the second set of optimization tasks, so the two sets together have four combination packages. You need to contact XXXX now and tell XXXX that you have encountered three combination packages. Why is there a fourth combination package? This is a system error. Please check it out. I need to go to a group for help now. I have never encountered such a problem before. Maybe a group can help us. Yes, we all misunderstood. What we are facing now is the last combination package in the true sense. Dear, the platform cannot provide loans. We can only solve the funding problem by ourselves.  Dear, if you have enough funds, I think it is very worthwhile to be happy because you will once again receive XXXX XXXXommission income, which is very considerable. Because buying cryptocurrency requires some fees, you need XXXX  Because you got another combination package, you got another XXXX XXXX  commission bonus. Dear, I can help you solve your work problems, but I really don\'t know any better suggestions for you on the financial issues. You can earn XXXX commission income from this package After you finish you can withdraw XXXX The equivalent value of XXXX XXXX  is the same as that of USD, which is XXXX XXXX Dear, if you apply for a loan, you can\'t say you\'re using it for work. You can probably say you need to buy a big item or do some home improvements. Buying a big-ticket item or making home improvements You can try to get a loan for your mothers house renovation Dear, this is just an excuse. When your loan is successfully completed, you can withdraw all the funds and get a very considerable commission income. But after you withdraw all the funds, you can immediately return the loan funds. Dear, this is something you can only explain based on your personal situation. I can\'t give you any better advice. Can i say it because of XXXX Maam? Or they will not accept it Maam? Dear, you must not say that. The bank will never agree to that. I think it is safer to apply for a personal loan I think it is safer to apply for a personal loan When you\'re done, you can return it immediately. You can try it here first. If it doesn\'t work, then we can only try to apply for a loan with XXXX XXXX Will your mother lend you money? You can wait for the result. If the application is not approved, we may have to borrow money from your mother. Dear, please dont rush, we are waiting for the result of your loan application first When you are familiar with this job, you can become a referral like me, you can invite your friends or family to join this job, you can earn more commission Dear, since we are part-time employees, the work we receive is all after-tax wages and no tax is required. You don\'t need to file a tax return because your salary and commission are after-tax. God is with us Amen  Our work is real and legal. You can directly tell your mother how we work. Your account can only be used by you. The company will not admit that anyone other than you uses your account to work. You can tell your mother that when you become a referral, you will invite them to join this job Everyone has no knowledge of areas that they have not covered. We can understand this, which will only add some difficulties to us, but I believe that we will complete it well I suggest you apply for a short-term loan from the bank I understand. I have XXXX in my account. I can lend it to you first, but you have to promise me that you will pay me back immediately after you finish the work Yes, the combination package is determined by the funds in our account. The more funds we have, the more negative balances we will encounter in the combination packages It may take us longer to raise funds, but when we are done, the commission we will get is huge We need to try. If the bank cannot approve the loan, then we need to think of other ways This is normal because your mother has never been involved in this industry and what we are working on now is also a new industry. Many people dont understand it and many people will think it is a scam. XXXX  from the team agreed to lend us XXXX, and I promised to return it to him as soon as I finished it My brother agreed to lend us XXXX, but he will give it to me by the XXXX, so we can finish the work tomorrow If your funds arrive tomorrow, we can complete the wire transfer first, and I will also deposit my money into your account, which will keep your account active. We can continue to apply for a one-day extension. On the XXXX, my brother will give me the money, and I can make up the negative balance, and we can complete all the work Dear, don\'t worry, we will get all the money back after we finish the work. I want you to promise that this is our last package. I will guide you to withdraw the money after it is completed. XXXX XXXX XXXX XXXX XXXX Money is very important to me. I can\'t joke with my money. Please believe me, just like I believe that you will return the money to me after the work is completed. We will succeed soon. I will have my funds ready at XXXX XXXX Dear, don\'t worry, we will finish the work soon and get all the money back, we can all earn commissions, I will always guide you to earn more commissions, we will slowly improve our lives in the future, believe me About XXXX  What is third-party top-up? Now you contact XXXX and tell them that this is the first time we\'ve done this and please don\'t freeze the account, because if you do, we\'ll lose everything, and we\'ll still have a chance to verify the XXXX I\'ve never lent money to anyone, so I don\'t know anything about XXXX XXXX XXXX and I\'m sorry my ignorance has cost you money  I\'m praying to God not to freeze our account  I don\'t know. I\'m also very nervous. I\'ve never helped anyone before. You\'re the XXXX XXXX I\'ve helped.  Open your work account and send me a screenshot. I will guide you to find it. God bless the platform did not freeze your account But we are facing a big problem: we need to verify our XXXX XXXX XXXX XXXX XXXX verification is required, which is XXXX XXXX  No dear, all my funds have been used to help you. We have no more funds.  All my funds are in your account, and some of them are borrowed by me, not mine.  Dear, we all need to get our money back, but we violated the platform terms and conditions and we need to complete the XXXX verification plan before we can withdraw the money That\'s why we need to complete the XXXX XXXX and withdraw the money as soon as possible. XXXX has contacted me to pay back the money. If I don\'t pay him back within 2 days, I need to pay him interest I have no more money to help you. You need to find a way to complete the work and verify the funds. Once we complete the withdrawal, we can return everyone\'s money DearXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The money I lent you was also borrowed from others. Like you, I am also an employee of this company. We can only get our money back after completing the XXXX XXXX according to the company\'s requirements I want our money back too, you have my money in your account Dear, because many criminals imitate our company and I have been cheated before, so for the safety of our funds, the company does not allow us to cooperate with other companies. This is also why the company does not allow us to do other similar work. I have worked in this company for more than a year and have never seen anyone lose a XXXX in this company. Your funds are safe in your account, and my money is also in your account. If I don\'t trust the company, I won\'t use so much money to help you. We have to find a way to complete the XXXX XXXX as soon as possible and get the funds backXXXX XXXX  and my brother have asked me to pay back the money Dear, we can end this job as long as we complete the XXXX XXXX. I am also trying to find a way to pay back XXXX  and my brother, because if I don\'t pay them back, I need to pay the interest Dear, we cannot withdraw money before the XXXX XXXX XXXXs completed. I also urgently need to pay back my money to others. I know you are under a lot of pressure. I haven\'t mentioned these things yet, but others have already asked me to pay back the money I\'m also under a lot of pressure right now. XXXX called me today and asked me about money. Dear, I am sad to hear this news, but I am an employee of this company just like you, we didnt complete the work, we cant withdraw the money Dear, I am the same as you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in your account, I also want to get my money back, we did not complete the work, we can not withdraw the money I hope you can find a way to finish the job and pay me back XXXX  XXXX XXXX  Your account was detected as a XXXXXXXX XXXX and your withdrawal request was denied. Please cooperate with XXXX  to investigate the source of the third party funds. Hello. The platform doesn\'t allow XXXX XXXX. You\'re violating the platform\'s anti-money laundering regulations. Hello, the system has detected that you have XXXX XXXX from a third party recharge Please cooperate with XXXX in investigating the origin of the funds Hello, please provide your ID card ID and recharge address and your recommenders ID card ID and recharge address. You also need your recharge address and your recommenders ID and recharge address Hello, your account by the system audit, your account violates the provisions of the platform, anti-money laundering law, suspected of money laundering, the need for your account to carry out XXXX XXXX  Eliminate security risks. Hello, after checking, there is XXXX in your account. You need to complete the XXXX XXXX before you can withdraw the funds. The verification amount is 20% of your account funds, that is, XXXX. The platform will not charge any fees. You can withdraw the full amount after completing the XXXX XXXX Hello The platform does not allow any third-party recharge Given that you are a new member of the platform before allowing you to verify your XXXX XXXXe This is already the biggest help to you Hello, after checking, there is XXXX in your account. You need to complete the XXXX XXXX before you can withdraw the funds. The verification amount is 20% of your account funds, that is, XXXX The platform will not charge any fees. You can withdraw the full amount after completing the XXXX XXXX. Hello, it cannot be deducted from the account balance. You need to recharge your account with XXXX XXXX. After completing the XXXX XXXX, you can withdraw the funds in the account in full. You need to recharge XXXX XXXX into your account. After completing the XXXX XXXX you can withdraw the full amount of funds in your account. You need to recharge XXXX XXXX into your account. After completing the XXXX XXXX, you can withdraw the full amount of funds in your account. You only need to top up XXXX XXXX to your account. After completing the XXXX XXXX, you can withdraw the full amount of funds in your account. Please complete the XXXX XXXX as soon as possible. After completing the XXXXXXXX XXXX you can withdraw XXXX Hello, according to company regulations, you have now officially joined this job. Our company automatically identifies your mobile phone number through XXXX XXXX so you can no longer participate in other online app promotion work to prevent the leakage of company operation information. After all, there are a large number of app promotion companies in the world, and the operation methods and business competition are very fierce. If you participate in other online work, the company platform will automatically identify it, which means that your work account will be automatically blocked by the company platform. XXXX, you can only work in our company XXXX please complete the XXXX XXXX as soon as possible XXXX you can withdraw XXXX after completing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the company does not have telephone service at the moment. Yes, because the company signed a confidentiality agreement, so the company address cannot be used. This is the address of the department manager. XXXX, the company does not have telephone service at the moment. XXXX please complete the XXXX XXXX as soon as possible to withdraw the funds in your account\n\n\nTerms & Conditions\nTerms & Conditions\n\n\nI. XXXX XXXX XXXX) The minimum reset amount for enhancing XXXX XXXX XXXX XXXX  Once 2 sets of XXXX XXXX have been completed, the user must withdraw all amount and receive the withdrawal amount before the account is requested to reset.\n1.3) Contact our online service to reset your account after completed XXXX XXXX XXXX XXXX) Full withdrawal can be requested after completing tw of America due to negligence.\n\nI already sent XXXX,Florida Atty general IC3 what happened. I have all our text messages. Please kindly help me  . I lost estimated XXXX XXXX XXXX. Time is of essence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not even own a car. \n\n\n\t1.\tFailure to Detect or Prevent Fraudulent Activity? The scammers BoA account showed suspicious activity (e.g., large sudden transfers but BoA failed to freeze or investigate it.\n\t\t-\tIf the account was newly opened, moved large sums quickly, or had prior fraud reports, BoA could be liable for failing to follow anti-money laundering (AML) regulations.\n\n\t2.\tFailure to Respond to Recovery \nRequests of XXXX XXXX Promptly? Once XXXX flagged the transaction as fraud, BoA has a duty to act reasonably.\n\t\t-\tDelayed response, failure to freeze the account, or ignoring the interbank request could make BoA liable for facilitating further losses.\n\n\t3.\tAiding and Abetting Fraud? Furthermore, the scammer specifically instructed me to open a Bank of America account and stated that XXXX XXXX is not crypto-friendly. This request was highly unusual and only made sense in hindsight.\n\nIt strongly suggests that Bank of America had previously been used by this fraud ring to receive and route stolen funds to crypto platforms (such as XXXX XXXX XXXX XXXX XXXX, with fewer restrictions or detection.\n\nThis raises serious questions about:\n\t\t-\tWhether Bank of America conducted adequate due diligence on the recipient account holder XXXX XXXX XXXX XXXX),\n\t\t-\tWhether the account had a history of fraud reports, and\n\t\t-\tWhether the bank allowed continued operation despite red flags, which could constitute negligence or aiding and abetting by omission.\n\nI request that Bank of America investigate this matter not only as a one-off fraud, but as part of a possible larger scam network, and disclose any history of suspicious activity'

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