"On April 11, shortly after 10 a.m., Bartko returned to Wachovia
and arranged to wire $192,530 to the Woori Bank. Three days later,
on April 14, Bartko said he discovered that his escrow account
reflected a debit of $197,530.
"On April 15, Wachovia informed Bartko that he would be
responsible for the $197,530 chargeback."