<prompt> Human: I was doing something on a gut feeling and I was feeling ballsy, I know it was stupid. I wanted to buy something for my friends birthday and it was cheaper on craigslist. I had the feeling that it was a scam after I paid so I called BofA. The person that responded to me suggested that I just wait til the transaction pass through and the money will get back to me. I was like ok so I stopped worrying a little bit. But now BofA called me and told me that I had to file a claim to get it back and I might not even get it back. Would I be entitled to compensation because one of their team members messed up or? I dont know what to do here.  <response>: Nothing that BofA did at this point was negligent on their part. I dont see where you believe they messed up. They cannot reverse a transaction that is pending. It needs to clear your account and then you can file a claim. 