Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
My name is XXXX XXXX. Birth-date XX/XX/XXXX. XX/XX/XXXX, XXXX funded {$20000.00} to a XXXX Account at XXXX XXXX XXXX attempted to recapture these funds on XX/XX/XXXX, when I reported that I did not authorize the transfer of funds to a Fraudulent Account, but they were only able to recapture {$20000.00}. 

I met with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, at PlainsCapital Bank XXXX XX/XX/XXXX, to discuss PlainsCapital Banks reimbursing our group for the fraudulently transferred. XXXX indicated that PlainsCapital Bank was not willing to reimburse our XXXX or me for the Fraudulently Funding of {$20000.00}. XXXX indicated that PlainsCapital Bank was very aware of the activities of fraudulent groups attempting to defraud banks and their customers of monies using very sophisticated techniques including using AI to clone voices. XXXX XXXX indicated that PlainsCapital Bank and its customers had been victims of AI fraud. I asked XXXX if I was an authorized signatory on the above accounts. You directed me to XXXX XXXX, XXXX XXXX, XXXX, who confirmed that I was a signatory on all of the accounts that transferred the above monies to fraudulent accounts. XXXX XXXX also confirmed that he had my current phone numbers and emails if PlainsCapital Bank wanted to contact me to verify the proposed transfers or wanted to warn me of the dangers of fraudulent groups AI attempting suspicious transfers. I informed XXXX that I believed that it was very important that PlainsCapital Bank reimburse my partners and me for {$20000.00}. XXXX indicated that XXXX XXXX XXXX, XXXX XXXX, would get back to us about our request. 

XXXX XXXX, my partner XXXX XXXX, and I met with XXXX XXXX XXXX, XXXX XXXX, at PlainsCapital Bank Wednesday XXXX, XXXX and discussed the reimbursement of the funds. XXXX indicated that PlainsCapital Bank would be willing to reimburse only {$5000.00} of the fraudulently transferred funds. We indicated that we wanted to be reimbursed for the entire {$20000.00}. We asked XXXX for a response to our request by Wednesday XX/XX/XXXX. XXXX indicated that it might take XXXX XXXX take longer than XX/XX/XXXX to get a response. We indicated that we understood, and we all agreed that we would have an answer from PlainsCapital Bank on Friday XX/XX/XXXX. XXXX XXXX and I received a call and we met with XXXX in the afternoon Thursday XX/XX/XXXX. XXXX said that the XXXX XXXX XXXX XXXX PlainsCapital Bank refused to fund any on the fraudulently funded monies. 

PlainsCapital Bank made no attempts to contact me or my partners regarding these transfers from our partnership accounts into my personal accounts. PlainsCapital Bank made no attempts to inform me, my partners nor our accountant, XXXX XXXX, to inform us of PlainsCapital Banks knowledge of fraudulent groups defrauding their customers. XXXX XXXX indicated that she definitely would not have authorized the transfers if she had been informed of the AI cloning danger. 

My partners and I are demanding that PlainsCapital Bank agree to reimburse our partnerships for the funds that were sent without verifying with me or any of the signatory partners and not telling XXXX XXXX, our accountant, the threat of AI cloning voices that these were invalid transactions. I am taking the action as a person of legal standing as a partner and an individual to receive these funds. I requested XXXX XXXX send a copy of all correspondence from Plains Capital Bank and XXXXXXXX XXXX on XX/XX/XXXX she declined and referred me to XXXX XXXX, Exec. XXXX and XXXX XXXX at PlainsCapital Bank. I sent XXXX, General Counsel request for all correspondence and recordings from Plains Capital Bank and XXXXXXXX XXXX on XX/XX/XXXX. 

My partners and I believe that PlainsCapital Bank was criminally and grossly negligent in not trying to contact us, resulting in these funds being transferred to fraudulent accounts at unauthorized banks.

Company response to consumer: Closed with explanation