Bank question? can they really do that?

Question

So this is what happened, I accidently deposted a check from my checking account into my own account. What i meant to do was transfer money from a different account. The bank considered that check fraud and they decided to hold all my money and return payment to all the people whom i had scheduled payments with. now i went to open another account with a different bank and they said that they might put me on some check something or another list. what does this all mean and how can i fix it?!

Answer 1

I think you have some incomplete facts here.

Or you are wrong about the facts or the bank is lying. How can be fraud to to write a check to yourself? Have you been charged with fraud by the police? A check is fraudulent only if it a bad check (with no available funds on the account) or if it's a forgery.

If the bank is accusing you of fraud then they need to prove it on court or face a civil sue for defamation. Get a lawyer if you are sure the check was good.

Now if the check was done based on "credit" and not on "available funds" on the cheking account then they are right, and they can acuse you of fraud.

Answer 2

First try to open a new checking at a different bank and see what happens. What you did was just a simple mistake. Go into the branch and speak with a VP. Tell them either help resolve your problem or you'll file a complaint with the Banking Commissioner in your state and with the Federal Trade Commission. Their toll free # 1-877-382-4357. You can also say you'll file a complaint with the Attorney Generals Office. Be firm with them.I was in banking for 25 years and I couldn't believe how stupid the managers were.

Answer 3

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chexsystems, yes they can do that but I dont think you understand everything. I believe that you got non sufficient funds, the bank charged you and overdrafted your account and now has frozen your account and because of the money you owe them they will put you on a collection and chexsystems which means you are not worthy of having a bank account and nobody lets you open an account for about 2-5 yrs.