Bank dispute?

Question

my bank claims they made a payment for me about 10 months ago but i don,t think they did i think i made it i havent got any evidence at the moment that i made, the bank are trying to make me pay it do they have to prove to me they did pay it first before they charge , and could they just take the money out of my account with out my permission

Answer 1

You should consider closing the account and reporting fraudulent charges on it. If what you're saying is true.

Answer 2

If the bank sends you a front and back copy of a cleared check made payable to another credit card company and shows that "balance transfer" on one of your old credit card statements, then you don't have many options but to pay it.

Why?

Because as a cardholder, you are responsible for reviewing your credit card statements and disputing any unusual or unauthorized charges within 30 days of receiving your statement.

If the bank transferred funds without your permission ten months ago, that transaction and any related fees would have appeared on your credit card statement 10 months ago.

By not disputing the items then, you were legally saying that you agreed to the propriety of the transactions contained on that statement.

Your rights to dispute transactions are further described in the "terms and conditions" brochure the credit card company supplied you upon opening your account. You can request another one by calling your bank's customer service line.

Had you disputed the transaction 10 months ago, the bank would have "stayed" the transaction while they conducted an investigation. If the evidence obtained from their investigation showed that you had never given them authorization for the balance transfer, the bank would have posted correcting entries to your credit card account.

You can try to dispute the error now, but please understand that you too made a mistake by failing to notify the bank of this error 10 months ago.

Answer 3

Simply ask for the date of the payment and the amount. Then also request a copy of that statement to be sent to you. If it shows it was paid by them then there you go, if not simply explain how it could not be according to the statement they sent. If the second one is correct you may also want to look at getting another account.

Answer 4

If the bank "made a payment for you" it would show on your account statements.