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Thank you for calling Capital One Bank. My name is Jeff. May I have your name, please? Hey, Jeff. My name is Felix. I'm also with Capital One. I've got a customer, Pamela Hargan.

The phone call you're hearing is from July 13th, 2017. The day before, Helen and Pamela Hargan were found dead inside their home in McClane, Virginia. On the call, two employees from Capital One Bank are talking about Pamela Hargan. Earlier that day, someone had called the bank asking to transfer hundreds of thousands of dollars from Pamela's account. Felix is with the wire callback authentication team. He's trying to speak with Pamela to confirm that the request had come from her. Here's Felix talking to his colleague.

I've got a customer, Pamela Hargan, who when I called her back, she did not call in to create a wire request, and she is the only signer on this account.

So whoever requested that wire transfer wasn't Pamela.

And She asked us to transfer her to you guys for fraud because it looks like you tried to send her a $419,000 wire request. Oh. Yeah, just jump change.

Before he brings Pamela into the conversation, Felix warns Jeff that she's suspicious that they're really bank employees.

She was a little bit wary, not trusting that we're actually Capital One who's calling her.

Felix puts Pamela on the line with Jeff, and she is immediately skeptical.

Hello? Yes, hello. Hi. Who am I speaking to? Who am I speaking to? My name is Jeff with Capital Okay, this is Pamela Hansen-Hargen.

At this point, Pamela has only been told that someone tried to move money from her account. Jeff is about to tell her how much.

I do have your in front of me. I hear that somebody tried to do a wire out of your account for $400 and some odd thousand. What? Yeah, that's what the other gentleman was saying. For how much? $400 and some odd thousand, he said.

Pamela is stunned and insist she never agreed to any such transfer.

I did not do that. Well, no, I know. He called you because of a pending wire, and then you told him that you didn't do any wires. Is that correct? Correct. Okay. You made me nervous for a minute. Those accounts are not to be touched, period. Can you freeze all my accounts? Yeah. Yeah, actually, I've already done that.

Police would later explain that Pamela was on her way to Pennsylvania to meet with her daughter Ashley when she got this call. She asked her other daughter, Megan, who was still home in McLean, Virginia, to go into the bank and figure out what was going on. In the meantime, Jeff Pamela from Capital One reassures Pamela.

You don't need to worry. Your funds are safe. All right. Thank you. You're more than welcome. You have a great day. You as well. Thank you. Bye-bye.

Pamela was adamant. She wasn't the one who initiated the wire transfer. So who did? After the killings, police went back and listened to the mystery collar.

Thank you for calling, Capulandé. My name is Croce. Could you tell me your name, please? Pamela Hansen-Hurgen.

Do you recognize that voice? Detectives thought they did. Do we think we killed your mom?

Absolutely.

Oh, my God.

I'm Peter Vansant. From 48 Hours, this is Blood is Thicker: The Hargan Family Killings. Episode 4, The Impersonator. After Pamela and Helen Hargan were found dead on Friday, July 14th, 2017, police learned about that call made to Capital One the day before the murders. It was baffling, so they listened to the call a little more closely.

Good Good morning. Thank you for calling Capital One. My name is Brooke. Could you tell me your name, please? Pamela Hansen-Hargen.

This is the earlier call from that same day. The caller claimed to be Pamela Hargen, but the voice sounded different.

I was just transferred to you. I was told that I could do a wire transfer online. Not able to do a wire online, but I can try to help you buy a phone.

The scholar said she needed the money for her daughter, who was closing on her new house that day.

What time is the closing? In 20 minutes. Okay. It's very unlikely it will be there in 20 minutes.

Brooklyn with Capital One told the caller that someone would call her back to verify the details, and if everything checked out, the funds would be released an hour or so after that.

Can you also verify? Because my phone numbers were inverted, I think, on my account. This This is my home phone number, and this is where I'm at. So this is the phone number that needs to be used. I just don't want to miss anything. Right. And the number that you gave me match what we have on file.

Police discovered that the collar, clearly not Pamela, answered the multiple choice security questions accurately.

All right, next question. What color is your 1991 Chevrolet Cavalier? Is it black, chrome, green, yellow, or you've never been associated with this? You've never been associated with a Cavalier. All right.

This collar, posing as Pamela, also knew she had other daughters.

I'm going to be doing this again for my other daughter in about three weeks.

Not suspecting any fraud, the Capital One employee then asked how much money she wanted transferred.

Okay, let me get the exact amount. It's 419,000 Hargan, $34.77..

That's the exact payment the real Pamela Hargan would cancel about an hour later. The next day, Capital One received yet Another call from that woman, again purporting to be Pamela Hargan. At that time, the bank had no way of knowing that Pamela had been shot.

May I have you first and last name, please? Pamela Hansen-Hargen. Thank you. I understand you want to complete a wire transfer with us today? Yes, we attempted to yesterday, and there was a bit of a mix-up, so we would like to do it again now. Okay.

This is where things unraveled for the impersonator. Remember Felix from earlier in the episode? Well, he happened to get assigned yet again to call Pamela Hargan to verify the wire transfer.

Felix with Capital One. Can you speak with Pamela Hansen? This is she, Hansen Hargan. She's got a lot of new.

This time, this Pamela didn't seem to recognize Felix's voice or name.

May I please have your name again? My name is Felix. We spoke yesterday. Oh, I'm sorry. I think it's Stuart.

Felix verified some personal information, and the impersonator approved the transfer.

Anything else I can help you with before I let you go? No. Thank you so much for yesterday. I really appreciate it. Yeah, no worries. Of course.

Three days after the shootings, someone else from the bank's fraud division called Detective Brian Biersen. The representative said that they saw the news of Pamela's murder and thought police might want to know about the wire transfers.

And the message basically reads, Hey, this is who I am. This is who I'm with, Capital One Fraud. We saw the news regarding the murder or the death Pamela Hargan.

Capital One sent the police all the recordings of their calls. When detectives listened, they soon identified the phony Pamela. They recognized the voice as the sister who had gun residue on her hands, who talked their ears off in a police interview five days after the shootings. This collar also said she needed money for a house in West Virginia. All signs were pointing to Megan Hargan.

So now we have a really good motive for murder. I think she thought she was going to get the money. We would think that this was a murder-suicide. She would get her house, and she would just be in West Virginia living her life. I don't think she ever thought that we'd figure this out.

But detectives did catch on and planned to let Megan know. They asked her to come into the station for an update. Their plan was to play her the calls and see how she would react.

When you call the bank to do a wire transfer, they record the calls, right? Okay.

Megan arrived at the police station not knowing that investigators planned an audio ambush, those Capital One recordings. It was July 19th, 5:00 five days since the murders. Megan had been talking with detectives Brian Bierson and Steve Needles for nearly an hour when they brought up those calls.

So one of the things that's always been bothering me a little bit is that call. I'm going to play the call for you. Okay.

Good morning. Thank you for calling Cap 1 B. My name is Bruce. Do tell me your name, please. Pamela Hansen-Hurgen. Pamela Hurgen. Thank you for using their automated system for verification? What can I do for her to get her? I was just transferred to you. I was told that I could do a wire-Do you remember this call? No.

They kept the audio plain while they peppered her with questions.

Were you with her or anything?

I'm not able to do a wire online, but I need to do a wire on Thursday.

Thursday morning, yeah.

Detective Biersen said he hoped she could explain something that happens on the call. Six minutes in, the caller, impersonating Pamela, asked the Capital One employee to wait while they call someone else. Biersen suspected the caller was reaching out to her husband.

Is it okay if I just give him a call to let him know that I'm not actually doing this over the phone because they were panicking? It's going to take forever with me in the bank. Okay, sure. Is that all right? Sure. You just want to put me a little bit on? I can keep you on the phone while I do that. Okay. All right.

I'll just call. Detective Bierson confronted Megan point blank.

Listen, is that your mom? Come on, Megan. It's time to tell the truth. I know who that... You called your husband. Okay, and I know that because when I looked at your phone, that was right.

Armed with phone records, the detectives told Megan they know she called her husband at the same time the person in the recording makes a phone call. Initially, Megan didn't confess, but then she gave in.

Okay, who is that on the phone? It's me. It's you, right?

The detectives didn't back off. They played her the capital one call you heard at the top of this episode. The one detectives were certain was the real Pamela.

Somebody tried to do a wire out of your account for $400,000. What?

Suddenly, Megan started apologizing.

I'm sorry.

The detectives kept pushing. They wanted Megan to say why she was sorry.

Just tell us the truth. That's all we want to know. I have to understand it.

The problem is you can continue.

It's just did yourself a deeper hole.

I'm fine. In the police video, you can see Detective Needles move his chair toward Megan, just a foot or two away as he pressed her for answers.

You're trying to think right now how I got to talk my way out of this. No, no, you think I... Okay.

Do we think we killed your mom?

Absolutely.

Oh, my God.

Yes, we did.

In his rush to confront Megan, Detective Needles misspoke. They thought she killed Pamela.

She caught you wiring on Friday. No. That's okay. Absolutely. Convince me that you didn't. We have you. I did not kill my mom.

Right there, Megan whispered, I did not kill my mom. But cops had other new evidence to ask Megan about. There was also a bank statement. This was one of the financial documents Detective Julia Elliott spotted the day Helen and Pamela were murdered. Here's what Detective Elliott told us. It was a photocopy of Pamela's spreadsheet that she used for all her accounts, account numbers, and pass codes. It was also a photocopy of Pamela's bank statement. Detective Elliott had photographed the documents, but when detectives returned with a warrant to collect them, they were gone. Detectives had learned that Megan sent the West Virginia real estate agent a bank statement with her name on it, but suspiciously, the amount sent matched what was in her mother's bank account, not hers. The detectives presented Megan with their theory. She shot her mother, then her sister Helen. All this looks like you killed your mom and sister. So help us- I don't think Helen would have let me go. Megan's saying no way her sister would have let her walk away if she'd shot their mother. What you're not saying is no, I didn't kill her.

No, I said no, I didn't.

That's Detective Needle laughing. He's signaling that he didn't believe her. Finally, the detectives decided to tell her exactly what they think happened and how they think Pamela was already dead by the time Capital One got the second request to make a wire transfer.

I already know that your mom is dead when that phone call was made.

Detective Byerson said he thought Megan shot Pamela before she called the bank on July 14th. Remember, someone had covered Pamela's body with a quilt. They also found herself telephone set on top of a pool of blood, leaning against the quilt.

How does her phone get over to where her body is? And set on top of where she's found.

She always carried her phone.

No, she couldn't.

Listen to me. No, I'm sorry. Okay, it's fine. Okay.

I'm telling you, where her phone is found, she didn't drop it there.

It's impossible.

Detective Needles leaned in again, directly accusing Megan.

You shot your mom.

No, I did not. You covered her up with a blanket because you're going to live with a guilt.

Then you used your phone and you got your money for your settlement, but the bank was already on to you. And why nobody was ever going to come to the house? We were never going to come to the house. You haven't thought that through yet.

Then why does your sister call Carlos- I do not know. And tell him the truth? Remember, Helen, the youngest sister, had called her boyfriend.

I do not know.

Because he spends an hour trying to call 911.

I do not know. To make sure the love of his life is fine. Meanwhile, unknown to Megan, Ashley and Steve Hargan, Megan's sister and father, were listening to these same bank calls in another room in the police station, along with Megan's husband, Frank. What you're not realizing is your family is being told off this stuff right now. I know.

Yeah, right. Now, they're going to be swimming. They're up there right now.

The interview went It on and on. The detectives dug into more details about the wire transfer. They accused Megan of lying.

That's a complete lie. Why in the world would you lie to me? I'm here investigating the murder of your mother and the death of your sister, which is undetermined as to how she died. Okay, you understand what I'm saying? I'm investigating that. During that investigation, you try to figure out what happened to the two people you're supposed to love.

And then, Megan seemed to break. She seemed to contemplate her child growing up motherless.

Blame me. Listen. My family has been through enough. Let Molly grow up without me. It's fine.

You have got to unload this.

Blame me. That's fine. There's nothing. Just blame me.

Megan seemed to be crumbling, but detectives still didn't have what they needed, a full confession. Detectives established they had plenty of circumstantial evidence, but only a few days after the shootings, they needed more that could stand up in court. So the question was, would Megan confess? Megan Hargan had come into the police station around five o'clock in the evening. There It's been some issues over the last couple hours talking.

I'm sorry. I understand. It's hard.

Megan was still there nearly four and a half hours later. Again and again, she denied making the Capital One calls, and then suddenly her story changed. At that point, had she given you approval to act like her and to wire the transfer?

Yes, she even sent me in the Capital One Bank to verify that everything had been frozen.

Megan not only admitted to making the calls, she claimed Pamela wanted her to be the one to request the wire transfer. Despite the fact her mother was on tape saying she knew nothing of that transfer, Megan was starting to sound defeated. During this whole process, many, many times, you said, blame me, blame me, blame me.

Just blame me.

I know, but why? I would think you'd be more concerned with Molly. Molly is Megan's daughter.

I am concerned about Molly, it.

If you're locked up forever and ever, Amen, what happens to Molly?

She asked my husband.

Megan still hadn't admitted she had anything to do with the murders of her mother and sister. She could walk away from this interview at any time. The door was wide open, though she didn't seem to understand that.

I'm not allowed to go.

Actually, we told you that from the very beginning.Of course you are.You're free to leave.

I'm allowed to stand up and walk out. Absolutely. Why would I do that when you guys are accusing me of something like this? I don't understand. You're saying you think I did this, but I'm allowed to leave?

Megan thought she was being played.

No, because you told me that you guys had this access telling my family everything, and that you believe I did this.

That's our belief right now. You're a prime suspect. Absolutely. That doesn't mean that we're locking you up and taking you to jail tonight. We're just talking. What Megan didn't realize was at the time of this interview, the case against her was relatively weak. Later, I asked Detective Bierson about this. After the police interview, he told me the investigation was far from over.

So murder investigations can be extremely complex, and especially in something like this, where you have a family member who you believe has killed almost her entire family, her entire immediate family other than her father and her middle sister. You not only have to be sure, you have to be right. And that decision does not just rest on me. I can't just go to the magistrate and swear out a murder warrant.

So Megan left that day with her family, a free woman. Days go by, no arrest. Weeks turn into months. During this time, Megan and her husband used a VA loan to buy a different home in West Virginia. Megan's friend, Rebecca Wolf, told us that Megan decided to start a new life out of state. She immediately got involved in her new community. So Molly is getting settled in her new school, settled in her new Girl Scout troupe, finding the new church, getting settled into the church. Rebecca said that Megan went to work with her at her rescue. I had held a huge fundraiser for one of the rescue missions that we worked with, so she actually helped me set the whole thing up. So we spent several months researching vendors, getting vendors locked on, Megan, her husband, and Molly were finally all under their own roof, together at last. But Megan was in a limbo because the investigator still had her her in their sights. I asked Biersen, if Megan had killed her mother and sister, then that would mean a brutal killer was free to kill again during all those months.

All I can say to that is we kept an eye on her. We knew where she was.

Prosecutors in Virginia convened a grand jury to look at the evidence and decide whether Megan should be charged. Investigators had to wait for documents. Forensic accountants had to comb through layers of records, which also delayed any possible indictment.

All of those investigative steps took almost a year and four months before we had everything back and we got the okay to indict her for those two murders.

Megan's borrowed time was coming to an end. Detective Biersen and a team of officers made the three-hour drive from the DC area to Morgantown.

We all went up there. Megan Hargan that morning dropped her daughter off at school. And once she left school grounds, we had a local officer conduct a traffic stop on her, and she was arrested.

Detective Biersen and Megan came face to face again. What did you see in her eyes?

Nothing. When I look at Megan, I don't see much behind in those eyes. It's empty to me. She has no remorse for what she did at all.

Megan was taken to a local police station in West Virginia for another interview before she was brought back to Northern Virginia. That same day, the Fairfax County Police Department updated the public at a news conference for the first time since they called the killings a murder suicide. We did arrest 35-year-old Megan Hargan in West Virginia this morning for the murders of her mom, Pamela Hargan, and sister Helen Hargan, July 14th, 2017 in McLean. Understandably, reporters had questions.

Could I ask them why you didn't put out another directive to the public that it was a double murder because our community had so many questions. They were told it was a murder of suicide, and then you all knew it was a double murder all along.

Do you not think maybe the public should have been informed of that? Yeah, so we always strive to inform our community. This case in particular, we'll always debrief what we did and why we did it. I will say an investigative strategy is to find the person that's responsible for a double murder is above most importance. The fact that cops had waited so long made Megan's friend Rebecca Wolf, skeptical that they had a strong case. Why did you wait 18 months to arrest her? Rebecca learned Megan had been arrested while she was listening to the radio on her way home from yoga. I never in a million years saw this coming. I heard that name, and thank God I was turning into my road at that point because I probably would have wrecked because I just immediately started bawling. She thought this had to be a mistake. After the arrest, Rebecca traveled to be at Megan's trial. And the Hargans, they had to face the possibility that Megan might have pinned the murders on her sister Helen. And why then did Helen have to die?

I think Helen knew what happened. I mean, we'll never understand, I don't think, in any capacity, why it is that Megan went upstairs and told her that she had shot their mother. I have no idea why she did that. I can only assume that at some point after telling her that, she realized that was probably not a great idea.

From 48 Hours, this is Blood is Thicker: The Hargan Family Killings. Judy Tigard is the executive producer of 48 Hours. Original reporting by 48 Hours producers Josh Yeager, Sarah Ealey Hulse, Michelle Sagona, and Lauren White. Jamie Benson is the senior producer for Paramount Audio, and Mara Walls is the senior story editor. Recording assistance from Alan Kang and Marlene Polycarp. Special thanks to Paramount podcast vice President, Megan Marcus, and 48 Hours senior producer, Peter Schweitzer. Blood is Thicker is produced by Sony Music Entertainment. It was written and produced by Alex Schumann. Our executive producers are Katherine St. Louis and Jonathan Hirsch. Our associate producer is Zoe Kolken. Theme and original music composed by Hansdale Shee. He also sound designed and mixed the episodes. We also use music by Blue Dot Sessions. Katherine Newhan is our fact checker. Our production managers are Tamika Balanskolasny and Samantha Allison. I'm Peter Van Sant. If you're enjoying the show, be sure to rate and review. It helps more people find it, and hear our reporting. For early and ad-free access to Blood is Thicker, subscribe to 48hours Plus on Apple Podcasts or Wundry Plus on the Wundry app. Start your free trial to today.

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