Hello, I initiated a wire transfer of $20,000 USD from my Canadian TD Bank account to my U.S. bank account at BECU on September 6th. Unfortunately, I mistakenly listed Wells Fargo as the beneficiary bank instead of the intermediary bank, although all other details, including the recipient and account number, were correct. Over a month has passed, and I still haven’t received the funds in my U.S. bank account, nor has the wire been returned to my TD account.
I contacted TD Bank, and they confirmed that the money was sent to Wells Fargo on September 6th. They also submitted a request to amend or cancel the wire, but Wells Fargo stated they couldn’t return the funds without a “debit authorization” from the wire recipient. I reached out to Wells Fargo, but they wouldn’t provide any information regarding the wire since I don’t have an account with them, and BECU also has no information about it.
Is there anything I can do in this situation, or is the money lost? I’m particularly concerned because the account number at Wells Fargo matches my BECU account number exactly; when I provided my BECU number during my call with Wells Fargo, it was recognized as a valid Wells Fargo account number.