3 On Your Side
3 On Your Side

Scottsdale man says $9K stolen from bank account

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Stuart Clapick is in the real estate business and spends much of his day on the phone. As a result, he says there's not a lot of time to monitor his bank account with BMO Harris.

So, imagine his shock when he did access his business account and discovered $2,900 had been removed by a company he doesn't even do business with.

“It was from Capital One and we don't have a Capital One account, and we've never had a relationship with Capital One, so it was very peculiar," Clapick told 3 On Your Side.

Clapick says $2,900 is a substantial amount, but he didn’t stress out about the fraudulent withdrawal because he felt his bank would quickly resolve the problem. In fact, as soon as Clapick realized that $2,900 had been taken out of his bank account fraudulently, he contacted his bank BMO Harris within 24 hours and they reversed the charges. 

That was great, however the bank had bad news.

The bank said in reviewing Clapick’s account, they found three other withdrawals over the course of a month where Capital One took out $2,900 three separate times for a total of around $9,000. And get this: BMO Harris refuses to put the money back because they say Clapick failed to bring it to their attention within 24 hours. It’s a policy he says he was never aware of.

“When my bank came to me and said we couldn't dispute them because the 24 hour dispute period had ended, then I freaked out."

So, Clapick turned to Capital One and demanded they put his $9,000 back into his bank account.

He sent them a Scottsdale Police report that he filed and also an affidavit stating the $9,000 raid on his bank account was fraudulent. Still, after two months, Capital One hasn't returned his $9,000.

“At the end of the day, I'm really upset with Capital One,” Clapick said. “I'm not a customer of theirs. They took money out of my account and did not have authorization to do it."

3 On Your Side has been in contact with Capital One as well as BMO Harris Bank. Both financial institutions are investigating to see why and how this happened. More importantly, 3 On Your Side is asking for the return of Clapick’s money. 

3 On Your Side expects to hear an answer next week, and will air a follow-up report.

Gary HarperGary Harper is the senior consumer and investigative reporter for 3 On Your Side at KTVK-TV.

Click to learn more about Gary.

Gary Harper
3 On Your Side

With more than 20 years of television experience, Gary has established himself as a leader in the industry when it comes to assisting viewers and resolving their consumer-related issues. His passion and enthusiasm have helped him earn an Emmy for Best Consumer Reporter from the National Academy of Television Arts and Sciences. He’s also garnered several Emmy nominations

He has negotiated resolutions with companies of all sizes, including some of the biggest corporations in the nation.

Gary has successfully recouped more than $1 million for viewers around the state, making 3 On Your Side one of the most popular segments on KTVK and the station's Web site.

He's best known for investigating and confronting unscrupulous contractors. In fact, many of his news reports have led to police investigations and jail time for those who were caught. Viewers, as well as the companies and people he investigates, regard him as consistently being thorough and fair.

Gary has been with KTVK-TV since 1997. Prior to his arrival in Phoenix, he worked for WZZM-TV in Grand Rapids, Michigan, where he was as an anchor and reporter.

Gary is from Chicago, but launched his television career in Lubbock, Texas, after earning a broadcast journalism degree from Texas Tech University. Following his graduation, he was quickly hired by KLBK-TV in Lubbock, where he enterprised and broke numerous exclusive reports. His aggressive reporting in Texas helped garner him Best Reporter by the Associated Press.

Gary has been married since 1994 and is the proud father of two sons. When he's not helping viewers, Gary is busy catching up on his favorite college and professional football teams as well as cheering on his beloved Texas Tech Red Raiders.

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