<prompt> Human: My friend is an amateur photographer and is also a pharmacy student. Hes been working all summer commuting 3 hoursday, working 8 hours, 4 daysweek at a pharmacy clinic and saved up 5000. He got an email from meetaphotographer.com to shoot a wedding for 3500 and decided to do it. Yes, he knows he was stupid for believing he was going to get paid that much as an amateur photographer but he doesnt need to hear that - he already knows. So anyway, this scammer agrees to give him 50 deposit via check. My friend then checks his bank account today, and finds 4000 missing from his account - all his hard-earned money he needs for school gone. And this happened because of the wedding scammer. He has contacted his local police department and filed a report but basically what are the other options? Is there any hope for getting the money back? What would the police actually do in a case like this? this happened in Toronto, Canada btw if it makes any difference  <response>: Hold up how did he lose the money in his account if the scammer paid him? Did he give enough personal information for the scammer to commit identity theft or did he give the scammer all the account information nessisary himself?Theres a difference, because it changes who is on the hook for the money between your friend and the bank. How was the money transfered? Are you even 100 sure it was the wedding photography scammer who stole the money? Its not uncommon for money to completely disappear out of a bank account due to identity theft and 3500 doesnt seem too bad to me. Police cant do Jack shit. Dont even bother with that avenue. The question is whether or not the bank is responsible for that money or if your friend is. If your friend gave nothing more than non-sensitive personal information and the scammer used it to trick the bank into letting him into the account, then its the banks fault. 