My son was scramed on the computer by allowing access to his computer to uninstall a program .The company was going out of business , so they offered a refund . there was a glitch on the computer and they supposedly credit 30,000.00. my son was told to wire the money back or he would be in trouble. So it was taken from my equity then transfed to my checking and then to my sons checking and then it was wired to a overseas account and bank stated to me they are not allow to question a customer.As there has not been any activite on my equity,why wasn't it questioned.

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    You may want to be careful with this. Your argument is that your son wired money from the account, and wasn't authorized to do so. If you do try to sue the bank for the money, they may turn around and sue your son for it, since he's the one who made the transaction and "benefited" from the money. Your son could perhaps in turn sue the scammer, but that is very unlikely to succeed because you probably can't find them. Or, they may try to have your son prosecuted criminally. – Nate Eldredge Jul 6 '19 at 22:17
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    It sounds like your son had access to the accounts to perform the transfer, in which case authorisation was given... – user4210 Jul 6 '19 at 23:04
  • @Moo They could share a computer and the OP had the account credentials saved. The OP also doesn't make it clear whether the son is an adult or not, which will matter. – IllusiveBrian Jul 7 '19 at 11:15
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    @IllusiveBrian in which case the op is morally culpable for failing to secure the account properly, and the son culpable of theft which the bank will not overlook if the matter is pressed. – user4210 Jul 7 '19 at 11:22
  • @Moo Oh yeah, I don't think there's any good outcome from this if OP tries to get the money back from the bank, assuming he doesn't want to screw his son. If his son is a minor though, law enforcement would probably decline to charge him if OP asks them not to and still maybe go after the scammers. That bet is riskier if the son is an adult. And if the son did have authorization to access the account then the point is moot. – IllusiveBrian Jul 7 '19 at 11:30

Who authorized the transfers?

Banks don't transfer money without someone telling them to do so.

Assuming it was your son there are several possibilities:

  • You didn't log off from a banking session allowing him to access it. Legally, you authorized the transfers.
  • You stored your sign-in credentials on the computer allowing your son to access them. Legally, you authorized the transfers.
  • You gave your son your sign in credentials. Legally, you authorized the transfers.
  • Your son hacked your account. Your son has committed fraud. Your contract with your bank may protect you from this, however, the bank will pursue your son for recovery and will likely refer the matter to the police.

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