Are you serious!? Wow! I deal with international wire transfers pretty often but I have no idea how a fraudulent transfer could have taken place... but I promise that somehow the $12,000 that you received was not his or came from a make believe bank. He's going to potentially walk away with $10,800 clear for nothing if you send him the money. Wire transfer is handled cash - not credit... So if this guy really has $12,000+ in his bank account, He's not going to go through the hassle of buying a used Hobie Wave overseas and shipping it when a new one can be had relatively inexpensively near by. I would take the issue to the bank - definitely a scam...the $12k won't be good for long.