US BANK.COM They say I am DEFRAUDING the bank, cashiers checks no good, way too many fees Tucson Arizona
I sold some items over the internet. I accepted a cashier's check, I was told it is the same as cash. I deposited, I waited 4 to 5 days before taking most of the funds out. They call saying the CC was fraud and that I am to pay back the monies!!!!!
I say how can that be? They say, 24.00 a day fee until the account is current. Plus 8.00 fee for some other crap. total to date is over 200.00 in fees that I really don't know the reasoning.
I don't have the cash to give back, I spent most of it, and how is it that I am liable to pay back funds plus lose the items sold??? Doesn't seem fair so it? Well I tell them I will try to get a small loan and get back with them. Then the next day some young bubble headed blonde (no offense, I am Blonde too) calls me from the bank to inform me that if the money is not given back, there will be serious consequences to pay. I was shocked, she was yelling at me and would not let me talk at all. She said that I was defrauding the bank and charges were going to be pressed against me unless I brought back the money. The amount is 5,000.00.
They never asked me to come in and sign anything stating that the cashier's check was a cc, in fact, online sent me a copy and I never even SIGN THE BACK, online lady said they would not press charges but want me to pay it back. I don't understand this all and I even waited 5 days for the cashier check to clear............ I will never back with them ever and I am reporting them to every internet banking compliant form that I can.The fees are crazy and so are there employees. BEWARE OF US BANK
Try2bartist
ORO VALLEY, Arizona
U.S.A.
13 Updates & Rebuttals
Robert
Buffalo,New York,
U.S.A.
Things to do...
#14Consumer Suggestion
Mon, August 11, 2008
Ok, by now you know that you were scammed by the person who sent you the check. You WILL be held to refund the monies to your bank.
So, what can you do??? A few things that might help you:
1. File a criminal fraud complaint with your local police-give them all information, address, names, and such. If possible, ask your bank for a copy of the bad check to submit to the police with your fraud complaint.
2. File a criminal fraud complaint with the police that have jurisdiction of the address that you shipped your goods to. DO THIS ASAP. Again, provide as much info as you can and request a copy of the report.
3. If this person is out of state, file a criminal fraud complaint with the FBI.
Once you have a copy of the local fraud complaint, VISIT your local branch of your bank with the report and speak to a manager about your situation and that you are requesting that they CEASE ASSESSING additional fees to you. It's worth a try. By showing them a copy of the police report you are demonstrating your sincerity as a victim and your willingness to have the perpetrator of the fraud prosecuted.
It's going to be very hard to resolve this over the phone. I recommend a personal visit to your local branch or send them a certified, return receipt requested letter that shows what action you are taking and request that additional fees be waived.
You will still be held responsible for paying the money back to your bank plus the original fees but at least you can try to get them to STOP assessing additional fees.
Good luck.
Robert
Buffalo,New York,
U.S.A.
Things to do...
#14Consumer Suggestion
Mon, August 11, 2008
Ok, by now you know that you were scammed by the person who sent you the check. You WILL be held to refund the monies to your bank.
So, what can you do??? A few things that might help you:
1. File a criminal fraud complaint with your local police-give them all information, address, names, and such. If possible, ask your bank for a copy of the bad check to submit to the police with your fraud complaint.
2. File a criminal fraud complaint with the police that have jurisdiction of the address that you shipped your goods to. DO THIS ASAP. Again, provide as much info as you can and request a copy of the report.
3. If this person is out of state, file a criminal fraud complaint with the FBI.
Once you have a copy of the local fraud complaint, VISIT your local branch of your bank with the report and speak to a manager about your situation and that you are requesting that the CEASE ASSESSING additional fees to you. It's worth a try. By showing them a copy of the police report you are demonstrating your sincerety as a victim and your willingness to have the perpetrator of the fraud prosecuted.
It's going to be very hard to resolve this over the phone. I recommend a personal visit to your local branch or send them a certified, return receipt requested letter that shows what action you are taking and request that additional fees be waived.
You will still be held responsible for paying the money back to your bank plus the original fees but at least you can try to get them to STOP assessing additional fees.
Good luck.
Dana
Lumberton,Texas,
U.S.A.
You were scammed
#14Consumer Suggestion
Mon, August 11, 2008
You were scammed into accepting a bogus cashier's/certified bank check. The bank discovered this when they tried to put it through. They have done nothing wrong and you do owe them the money to replace what you spent. It's highly unlikely that you will ever recover your funds from the scammers who sent you the bogus check ubfortunately.
This is an old scam, been around a while. Live and learn.
Dana
Lumberton,Texas,
U.S.A.
You were scammed
#14Consumer Suggestion
Mon, August 11, 2008
You were scammed into accepting a bogus cashier's/certified bank check. The bank discovered this when they tried to put it through. They have done nothing wrong and you do owe them the money to replace what you spent. It's highly unlikely that you will ever recover your funds from the scammers who sent you the bogus check ubfortunately.
This is an old scam, been around a while. Live and learn.
Dana
Lumberton,Texas,
U.S.A.
You were scammed
#14Consumer Suggestion
Mon, August 11, 2008
You were scammed into accepting a bogus cashier's/certified bank check. The bank discovered this when they tried to put it through. They have done nothing wrong and you do owe them the money to replace what you spent. It's highly unlikely that you will ever recover your funds from the scammers who sent you the bogus check ubfortunately.
This is an old scam, been around a while. Live and learn.
Dana
Lumberton,Texas,
U.S.A.
You were scammed
#14Consumer Suggestion
Mon, August 11, 2008
You were scammed into accepting a bogus cashier's/certified bank check. The bank discovered this when they tried to put it through. They have done nothing wrong and you do owe them the money to replace what you spent. It's highly unlikely that you will ever recover your funds from the scammers who sent you the bogus check ubfortunately.
This is an old scam, been around a while. Live and learn.
Derrick
Beaverton,Oregon,
U.S.A.
Online scams
#14UPDATE Employee
Mon, August 11, 2008
It is sad that you were scammed. Unfortunatly, a cashiers check is only as valuable as the bank that stands behind it. And from what it sounds like there was no bank behind that check. The process of check clearing does take time. Even in this digital age where most everything is electronic, small bank still issue checks, and their response times may not be up to the instantaneous levels that we expect.
I'd encourage you to look at this from the bank's point of view.
- Your customer brings you a note drawn on another institution.
- You give them cash for that note.
- Several days later it turns out that Bogus Bank inc. at 123 Fake Street doesn't exist.
- Who should be liable for collecting this payment? Who is more connected to the issuer of the check? The customer bought something from this person. The bank merely services the person that dealt with that person. The customer in this case must be held accountable for this.
- For this reason, most states permit you to charge a fee to cover your time for recovering checks that are returned for Not-Sufficient-Funds.
In your case, I would bet the person you dealt with is long gone, and would not reply to any letters you sent. Possibly even was dealing with a fake name. I empathize with you, but encourage you to not take the actions taken by the bank personally. Report the incident to your local law enforcement, and try to scoop up and move on.
Edgeman
Chico,California,
U.S.A.
The bank is correct...
#14Consumer Comment
Sat, August 09, 2008
The cashier's check was a fraud. You were ripped off by the buyer, not the bank.
Your report should be aimed at whoever you sold your stuff to. As of now, the bank is the one who was ripped off! The $8 fee is the daily fee for having a negative balance and those O/D fees are about to go up if you don't bring your account into the black. I don't see why you want to change banks, they did nothing wrong here.
And by the way, you should do what you can to get your account settled. If you don't, you won't be able to open a checking account for five years, still have to pay the money back and have it go on your credit.
Scott
Rock Rapids,Iowa,
U.S.A.
You were the victim of fraud
#14Consumer Comment
Sat, August 09, 2008
You have been the victim of fraud. If the bank is saying that you owe them for the money you withdrew from the proceeds of the cashiers check, then that cashiers check is probably a counterfeit.
Why are you so upset with US Bank? You need to be upset with the person who sent you the cashiers check. What action have you taken to recover those funds, have you notified the FBI and/or the investigative arm of the US Postal Service (if this was a transaction that crossed state lines) or the Attorney General of your state?
You are responsible for paying back the money to the bank, and then it is up to you to recover the funds from the person who sent you the cashiers check.
Robert
Buffalo,New York,
U.S.A.
You were scammed
#14Consumer Comment
Sat, August 09, 2008
by the person who sent you the bogus check.
The problem isn't with your bank. Any bank will require you to pay back the amount of the bogus check. There have been many scams with bogus cashier's checks this past few years.
You've been had by the person who sent you the check-not the bank.
Robert
Buffalo,New York,
U.S.A.
You were scammed
#14Consumer Comment
Sat, August 09, 2008
by the person who sent you the bogus check.
The problem isn't with your bank. Any bank will require you to pay back the amount of the bogus check. There have been many scams with bogus cashier's checks this past few years.
You've been had by the person who sent you the check-not the bank.
Robert
Buffalo,New York,
U.S.A.
You were scammed
#14Consumer Comment
Sat, August 09, 2008
by the person who sent you the bogus check.
The problem isn't with your bank. Any bank will require you to pay back the amount of the bogus check. There have been many scams with bogus cashier's checks this past few years.
You've been had by the person who sent you the check-not the bank.
Robert
Buffalo,New York,
U.S.A.
You were scammed
#14Consumer Comment
Sat, August 09, 2008
by the person who sent you the bogus check.
The problem isn't with your bank. Any bank will require you to pay back the amount of the bogus check. There have been many scams with bogus cashier's checks this past few years.
You've been had by the person who sent you the check-not the bank.