<prompt> Human: Hello. I am in desperate need of advice on what to do. I use Bank of America and like the title says- my wife did a online ACH transfer to a chase bank customer. She put 1 digit wrong in the account number everything else was correct INCLUDING his NAME. Bank of America opened a case for us when our friend did not receive the money- and 7 days later basically told us we cant get the money back because it went into an account. They said that the customer it was sent to is refusing to release the funds so we cannot get them back. Am I protected in any way here by law? What can I do? Please help! Thank you so muchAssistant: lmao he doesnt get a choice to keep the fucking funds. Escalate the matter to senior management and if its still stalling out start bringing a lawyerlaw enforcement into the matter.Human: Im just worried that I wont be able to do anything with the lawyer side of things because if my legal fees exceeded the 1300 I sent then would it even be worth it? I have talked to the branch manager of where I sent the money and they seemed fairly confident they could get the money transferred to the right person. I am not sure how to go higher than that though.  <response>: For a matter of 1300 you can sue them in small claims court for about 50 and no lawyer. You would need to research to figure out if the defendant needs to be your bank, or the person you sent the funds to, but I suspect it would actually be the bank. Edit: It looks like youd need to sue Bank of America for not following the FDIC rules: See Section 1005.33--Procedures for Resolving Errors and 9. Account number or recipient institution identifier. which makes this section applicable to your situation. Read that entire section to understand your rights and the time limits that might apply to you.Approach BoA and get all documentation from them TODAY like a copy of the case they opened -- proves that you contacted them as soon as the error was discovered, that they took 7 days and did not address it appropriately, while escalating the situation until you reach someone who understands FDIC regulations. If that fails, take them to small claims court. 