Caveat: Honest E-Transfer Mistake Costs Local Couple $ 3,000

The money was inadvertently sent to the wrong recipient resulting in a long and frustrating process that still did not see the return of the $ 3,000

It all started with a wooden door.

In 2020, Amanda Ferragine found a solid oak wood door for sale on Facebook Marketplace and paid the $ 50 for the transaction.

Door owner Christina Rolston of Queensville gladly accepted the electronically transferred funds and handed the door over when Ferragine drove from Bradford to Jackson’s Point to collect it.

It would be the end of a good seller / buyer agreement, except that one year later Ferragine was wrong.

After purchasing Comfort Home Windows for his new home in October 2021, Ferragine agreed to pay the bill by Interac transfer in installments of $ 3,000.

However, when she hit send, she mistakenly clicked Christina Rolston’s account instead of Comfort’s, as they were side by side in alphabetical order in her contact list.

Amanda called Rolston to explain the error, but Rolston responded in the negative to the request for the return of funds mistakenly deposited into her account.

“She was like an accuser,” Ferragine said, “(She said)“ How do I know you are not fraudulent? How do I know you’re not trying to rip me off? “

Amanda said she tried to jog Christina’s memory about their previous contact, but ultimately decided to deal directly with her bank to have the funds returned to her account.

But various Scotiabank staff told him the bank was not involved in transactions with third parties, including those for Interac wire transfers.

Doug Johnson, senior director of Canadian banking communications at Scotiabank, advised clients to be aware of the pitfalls of wire transfers.

“We encourage all customers to exercise caution and exercise due diligence in verifying the details of a transaction when sending electronic money transfers to other parties,” Johnson said.

Amanda told her husband, Bradford West Gwillimbury Ward 5 Coun. Peter Ferragine who also attempted to contact Rolston as his name was on the electronic transfer email Rolston received when the money was deposited.

Peter said he sent her an email explaining the step-by-step procedures they had tried to ensure their money was returned to them – including giving the bank email address information updates – but he says Rolston hung up or refused to answer the phone and let him go to voicemail.

“I left him a long message stating exactly what was done and the next steps I’m going to take – and that will include legal action,” Peter said.

On behalf of Ralston, she said she was working with her RBC bank to attempt to return the funds to the Ferragines.

“It’s a difficult process and I can’t tell you how much of my personal time, including that time, I’ve spent trying to rectify this,” said Ralston. “I sent them wire transfers, they have a problem with their email from their bank. “

Rolston went on to say that she washed her hands from the bank snafu.

“At the end of the day, it’s in the hands of the bank and I gave them full authority to take the money out of my account and transfer it to them. It’s the bank if something goes wrong, ”she said.

After nine weeks of inaction, South Simcoe Police (SSP) were alerted to the missing funds.

SSP’s corporate communications coordinator Sue Sgambati said an officer has spoken to the Ferragines and is currently awaiting a response on what next steps they would like to take.

“We are awaiting more information from the complainant, and it would be a theft investigation that we would conduct,” she said.

Peter said he would like to see more people make sure a password is in place before sending money via wire transfer, and Amanda said she will now look for other ways to pay. a large sum.

“You know what? If I had known better, I probably would have gone get the checkbook and done it that way.

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