Complaint Review: Wal-Mart - Dalton Georgia

Thomas, I've said it before, and I'll say it again. If you hate America and Americans so much, the pack your bags and go home to Germany. You are not welcome here. Tchuess!

Thomas, I've said it before, and I'll say it again. If you hate America and Americans so much, the pack your bags and go home to Germany. You are not welcome here. Tchuess!

Thomas, I've said it before, and I'll say it again. If you hate America and Americans so much, the pack your bags and go home to Germany. You are not welcome here. Tchuess!

Thomas, I've said it before, and I'll say it again. If you hate America and Americans so much, the pack your bags and go home to Germany. You are not welcome here. Tchuess!

thank you i don't like wachovia or wal-mart they both have ripped off people and should be under investigation by the federal government but they are a big shot company so they would pay themselves out of anything. anywhere else in the world things like this what happened to me would not happen only in america. Thank you very much for showing me how people can get screwed over in america.

Tom is most likely correct about the checks. In common law terminology, your bank is your "payment agent." One of the duties of their agency status is to ensure that they only make payments from your account that you actually authorize. Electronic check clearing has in no way absolved them of this duty. That forged checks will invariably be paid is a risk they have chosen to accept by not cross-checking instruments against your signature card. They have set up a system where it is impossible for them to prevent payment on forged instruments, but that is their problem, not yours. But don't count on the bank to make things easy for you when you are the victim of check forgery. Banks are "banking" on the fact that most people who have problems with their accounts (stolen checks, post-dated checks cashed before the date, etc.) are not aware of their legal rights and will accept the answer that the bank gives them, which often runs contrary to the law. And, unfortunately, those who are aware of their rights under the law will probably never enforce them because they don't want to deal with the intimidating complexities of the legal system. So here's my advice per the stolen checks: Send the bank a letter apprising them that you are aware that payment on forged checks is a violation of the agency relationship, Article 4 of the Uniform Commercial Code, Federal regulations and state law. Let them know that, since you informed them that your checks were stolen before they were used, they may be liable for additional damages for failing to freeze your account. Sum it all up with a threat of legal action if they do not return all monies owed to you. If possible, enclose a copy of one of the forged checks, along with a couple of non-forged checks so that they may verify their error. Best of luck!

If the bank takes any money from your checking account for any check without your signature or a forged signature they are liable for the amount. Just watch your account for any checks that are not yours and tell the bank to give your money back. That is the entire purpose of having your signature on file, to check the chekcs against it to make sure it is your signature. Of course, all the checks are handled electronically now but the bank is still not supposed to accept checks on your account without your signature. You were not too clear as to why most of the Wal-mart staff should be fired.