What should I do and can I get my money/check back? Will this ruin credit score? bank discrimination?

Question

My 18 years old opened an checking acount and deposite a check of few grand. Next day, when she tried to deposite another check, her bank card didn't work and we called, found out that bank closed her acount. Bank said that the deposite emvelope was empty.(no check.) That is BS. We used bank of America, and its ATM machine doesn't need envelope anymore and we has our receipt of the deposite scaned. So over two hours talking on phone, bank of america said it will mail her back her balance but when i asked how much will be in that balance, the person won't tell me. Online, bank has put overdraw of near a million $. Will this ruin our credit score? I plan to go branch office tomorrow. Does it happen to you before or heard of anyhting like this? Will I get the check or few grand back? It is real check. Thanks.

Answer 1

You have the receipt? That's all you need! Go to the bank, let them see it, or if they want you to hand it over, take a copy of it with you, don't let them have the original, and demand the money back. and the check!! Never talk to anyone over the phone, always show up in person. You say the bank cosed her account, find out who closed it and why! Don't leave until you have got all the answer!

Answer 2

This same exact thing happened to me with BOA, that large amount of a near a million is not exact, that just have a freeze or hold on your account. They may be investigating something about the check for a few grand however it will not show on your report if you dont owe them anything if you do owe something they will def notify you as they did me. Just hold on to that receipt and make sure you get names of everyone you speak with at the bank.