Ken
Randolph,#2Consumer Comment
Thu, September 28, 2006
Have you filed a police complaint against the party who gave you the bad check? That's who your beef should be against. You got the funds from the check, and you owe it back to the bank plain and simple. They don't need permission to offset a check against any account you may hold, by cashing it with them you implicitly gave them that permission. You were swindled and are justifiably angry... but it wasn't the bank who swindled you, it was some bottom feeder who knows how to take advantage of the system. It is a criminal matter, just as if they held you up at gunpoint. So if you haven't already done so, get the police involved.
Steve
Bradenton,#3Consumer Suggestion
Thu, September 28, 2006
Jeffrey, The bank did not need your authorization to attach the other account. Under your account agreement and federal law they have the right to do it. Presenting a check at the counter for payment is the same as depositing it in your account. You are legally responsible for any check presented for payment. Stop any direct deposits or other activity in any accounts at BofA until this is resolved. Now, was the check actually a "phony" or "stolen" check, or was it just NSF? This makes a big difference. You need to file a police report and attach a front and back copy of the check. This report needs to be forwarded to the authorities where the sender lives. You may need to get the FBI Financial Crimes Unit involved too. I would anyway. The bank employee could only verify that there was funds in the account at the time you presented it. They would have no idea if the check was forged or stolen until the account holder filed a report with them. Good luck.
Steve
Bradenton,#4Consumer Suggestion
Thu, September 28, 2006
Jeffrey, The bank did not need your authorization to attach the other account. Under your account agreement and federal law they have the right to do it. Presenting a check at the counter for payment is the same as depositing it in your account. You are legally responsible for any check presented for payment. Stop any direct deposits or other activity in any accounts at BofA until this is resolved. Now, was the check actually a "phony" or "stolen" check, or was it just NSF? This makes a big difference. You need to file a police report and attach a front and back copy of the check. This report needs to be forwarded to the authorities where the sender lives. You may need to get the FBI Financial Crimes Unit involved too. I would anyway. The bank employee could only verify that there was funds in the account at the time you presented it. They would have no idea if the check was forged or stolen until the account holder filed a report with them. Good luck.
Steve
Bradenton,#5Consumer Suggestion
Thu, September 28, 2006
Jeffrey, The bank did not need your authorization to attach the other account. Under your account agreement and federal law they have the right to do it. Presenting a check at the counter for payment is the same as depositing it in your account. You are legally responsible for any check presented for payment. Stop any direct deposits or other activity in any accounts at BofA until this is resolved. Now, was the check actually a "phony" or "stolen" check, or was it just NSF? This makes a big difference. You need to file a police report and attach a front and back copy of the check. This report needs to be forwarded to the authorities where the sender lives. You may need to get the FBI Financial Crimes Unit involved too. I would anyway. The bank employee could only verify that there was funds in the account at the time you presented it. They would have no idea if the check was forged or stolen until the account holder filed a report with them. Good luck.
Steve
Bradenton,#6Consumer Suggestion
Thu, September 28, 2006
Jeffrey, The bank did not need your authorization to attach the other account. Under your account agreement and federal law they have the right to do it. Presenting a check at the counter for payment is the same as depositing it in your account. You are legally responsible for any check presented for payment. Stop any direct deposits or other activity in any accounts at BofA until this is resolved. Now, was the check actually a "phony" or "stolen" check, or was it just NSF? This makes a big difference. You need to file a police report and attach a front and back copy of the check. This report needs to be forwarded to the authorities where the sender lives. You may need to get the FBI Financial Crimes Unit involved too. I would anyway. The bank employee could only verify that there was funds in the account at the time you presented it. They would have no idea if the check was forged or stolen until the account holder filed a report with them. Good luck.