I paid $3,600 for a used car. The seller gave me a signed receipt. I transferred the money while we were sitting together. My banking app showed the payment as completed. He checked his account. He said he received it. I drove the car home. The next morning, I received a message from my bank. “Your transfer has been reversed.” I checked my account. The $3,600 was back. I thought the seller had canceled the transaction. I called him. He said the money was still in his account. That didn’t make sense. I sent him a screenshot. He sent me his. Both showed the same transaction. Completed. Same amount. Same reference number. I called the bank. They investigated. The employee told me something strange. The payment had been reversed because the receiving account had been flagged. I asked why. She said: