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Originally Posted by silver98c2s
Sorry if this was already covered...but I did read through the entire thread...twice. How does the OP know the "crime" took place in Florida since "Richard Mosely" could be anywhere. I think it would be relatively easy to find out what state the fraudster opened up his account. I would think that state is where you need to focus on. Also, have you checked if the funds are still in the receiving account? Probably not but doesn't hurt to ask.
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This is an interesting question. Not sure on the "where" of the crime.
Talked to a friend that works for BofA doing federal compliance and her suggestion with dealing with the bank is that you have to start by getting an "Affidavit of fraud" from a law enforcement agency. Then you can start getting help. Your assertion that you were wronged isn't enough.
This will not get the transfer reversed. As explained by her, The banks action did not involve any fraud. You asked for the money to be moved and they performed that action. The fraud was done by the receiver when they took the money out and did not deliver the goods which is obviously outside the banks area of responsibility.
The only way the bank has any responsibility is if the account was initially opened fraudulently and the bank failed in their due diligence to determine the valid identity of the account holder. In other words if the account holder is bogus and they did their mandated checks such as required ID you get nothing. If they didn't correctly get proof of ID then you might have a remedy there as they do have a responsibility to have accounts only for valid account holders.
The end all is still going to be to find out the account holder info, see if you can track where the money went, and track where the person went.