Five weeks ago the exact same thing happened to me. A distressed bank-owned property was listed (in Yuma, AZ) by a local Realtor. I offered full price through my friend, a different agent, and was even required to show proof of funds for an all-cash offer, which I did. Waited a week with no answer. Then suddenly the property was under contract. Could not get my calls returned from the selling broker, and failed to get good follow-up answers from my own agent. I suspect my offer was not even submitted to B of A.
Conclusion: Go directly to the selling agent to give them the full commission. It ain’t right, but it is what it is.
