(US) My boyfriend got scammed into emptying his bank account

My (27) boyfriend (26) is the sweetest and usually makes good decisions, but hes also very sheltered and trusting. Unfortunately someone called him while he was dealing with a lot at work, and pretended to be our bank. Like they literally had mimicked the robot messages you get when you call them (Navy Federal). They told him someone had applied for a loan under his name and they needed him to move his money to another bank account via cashapp. Yea I know, thats like, scam 101, but he works at a kennel and was surrounded by 30 dogs at the time so he wasn’t paying attention. So he did and the scammer immediately withdrew the money to a bank in New Jersey: Cross River Bank.

We called Navy federal and they said we had to go through cashapp. cashapp said they would do an investigation. Unfortunately since my bf technically made the transfer himself, navy federal won’t automatically refund us. I tried calling Cross River Bank but their menu just kept looping me and I couldn’t get a representative. Apparently they’re pretty infamous for not giving people their tax refunds and are currently under investigation by the IRS.

Because we aren’t super financially stable, he only had $739 at that point, so that’s what he lost. I have my own bank account and take care of most of the bills, so fortunately we have enough for rent since I didn’t lose anything. We did have to take out a short term loan for bills that are due right now though since I don’t get paid for a couple weeks. We are monitoring his credit and everything. He feels terrible and regrets it immensely. He feels so stupid for falling for it, but the scammers know how to manipulate people. They say you’ll lose all your money if you don’t do it, so you panic and by the time you think about it the money is gone. He told me 40 minutes later when he got home, and I immediately had him call cashapp, but it was too late. We had a long talk about scam tactics and hes supposed to hang up and call the bank back at the official number and ask them for verification. For any big financial decisions he needs to talk to me first. He’s working extra hard to make up the money.

Is there anyone who has fallen for the same scam? Were you able to get your money back from cashapp? Is there anyway to get that bank to give us the money back and shut down the scammers bank account? At this point we are just assuming the money is gone, but we hope we can get some kind of justice. We are just two recent college grads living in a one bedroom apartment and I’m disabled so I have high medical bills. We live paycheck to paycheck. This is screwing up all our financial planning. We were finally seeing the light at the end of the tunnel as my bf is starting a new higher paying job soon, so this is devastating.