Author Topic: Stolen and Cashed Check.. Bank is not Helping Either... (Read 10624 times)

HelpMe · « **Reply #40 on:** June 07, 2012, 12:34:51 AM »

They are just blowing smoke you know where. You got your money so just let it go and move on.

txtmax4 · « **Reply #41 on:** June 07, 2012, 12:36:13 AM »

Quote from: HelpMe on June 07, 2012, 12:34:51 AM

They are just blowing smoke you know where. You got your money so just let it go and move on.

I'm out $70 for the fees that I had to cover though.

HelpMe · « **Reply #42 on:** June 07, 2012, 12:43:48 AM »

Quote from: txtmax4 on June 07, 2012, 12:36:13 AM

I'm out $70 for the fees that I had to cover though.

Were the fees for notary and such? If so then there is not much you can do about them if they decide not to reimburse you.

txtmax4 · « **Reply #43 on:** June 07, 2012, 01:07:05 AM »

No, what happened is a CC payment was supposed to hit the account basically on the same day and, because of the theft there weren't enough funds and he got a $35 returned check fee.
Then he immediately made a CC payment for the whole remaining balance but left $35 available in case the first unfunded payment would hit before the smaller payment (Amex's system tries 3 times and they aren't able to manually stop it) to make sure it just sucks out those $35 without affecting the 2nd payment.
That's $70 in fees caused by the theft.

Avid Reader · « **Reply #44 on:** June 07, 2012, 09:50:31 AM »

If the relationship with the bank is over anyway, perhaps send in a complaint to the government agency overseeing banks (forgot the name, it's mentioned in the Chase AA thread).

HelpMe · « **Reply #45 on:** June 07, 2012, 10:40:28 AM »

Quote from: Avid Reader on June 07, 2012, 09:50:31 AM

If the relationship with the bank is over anyway, perhaps send in a complaint to the government agency overseeing banks (forgot the name, it's mentioned in the Chase AA thread).

I am not sure they did anything wrong and it would be a courtesy to return the fees. Here is the site and I guess it would not hurt.
http://www.consumerfinance.gov/complaint/

txtmax4 · « **Reply #46 on:** June 07, 2012, 12:55:23 PM »

Quote from: HelpMe on June 07, 2012, 10:40:28 AM

I am not sure they did anything wrong and it would be a courtesy to return the fees. Here is the site and I guess it would not hurt.
http://www.consumerfinance.gov/complaint/

Courtesy?? How about they should shell it out for paying out a thief's check? They should have verified the signature before releasing the money. Now they are trying to blame me for it??

Avid Reader · « **Reply #47 on:** June 07, 2012, 01:09:12 PM »

Quote from: txtmax4 on June 07, 2012, 12:55:23 PM

Courtesy?? How about they should shell it out for paying out a thief's check? They should have verified the signature before releasing the money. Now they are trying to blame me for it??

+1

As far as apple bank, I've gotten bad vibes from them as soon as I started dealing with them, and I soon stopped. I had family members lose money by them too, and in almost all cases if they were dealing with one of the bigger banks, they wouldn't have ended up paying those fees. I think they're very customer-unfriendly.

txtmax4 · « **Reply #48 on:** June 07, 2012, 01:10:31 PM »

Quote from: Avid Reader on June 07, 2012, 01:09:12 PM

+1

As far as apple bank, I've gotten bad vibes from them as soon as I started dealing with them, and I soon stopped. I had family members lose money by them too, and in almost all cases if they were dealing with one of the bigger banks, they wouldn't have ended up paying those fees. I think they're very customer unfriendly.

They're way too narrow minded to be a bank, period.

Avid Reader · « **Reply #49 on:** June 07, 2012, 01:16:15 PM »

Quote from: txtmax4 on June 07, 2012, 01:10:31 PM

They're way too narrow minded to be a bank, period.

That reminds me, on two different occasions I wanted to withdraw 5k in cash, and they said they didn't have that much cash to dispense

I've heard the same from someone living in Long Island who tried making a big withdrawal from Apple there and they told him the same thing (many years ago).

Jkhein · « **Reply #50 on:** June 07, 2012, 01:20:58 PM »

From the attitude of the manager I take its for sure not the BP branch?

txtmax4 · « **Reply #51 on:** June 07, 2012, 01:21:53 PM »

Quote from: Avid Reader on June 07, 2012, 01:16:15 PM

That reminds me, on two different occasions I wanted to withdraw 5k in cash, and they said they didn't have that much cash to dispense

I've heard the same from someone living in Long Island who tried making a big withdrawal from Apple there and they told him the same thing (many years ago).

Clowns

txtmax4 · « **Reply #52 on:** June 07, 2012, 01:22:27 PM »

Quote from: Jkhein on June 07, 2012, 01:20:58 PM

From the attitude of the manager I take its for sure not the BP branch?

Why do you say that?

Jkhein · « **Reply #53 on:** June 07, 2012, 02:22:42 PM »

Quote from: txtmax4 on June 07, 2012, 01:22:27 PM

Why do you say that?

he usually goes out of his way to help out all of his clients. Am I wrong ? (MB)

Chaikel · « **Reply #54 on:** June 07, 2012, 02:35:09 PM »

Quote from: Avid Reader on June 07, 2012, 01:16:15 PM

That reminds me, on two different occasions I wanted to withdraw 5k in cash, and they said they didn't have that much cash to dispense

I've heard the same from someone living in Long Island who tried making a big withdrawal from Apple there and they told him the same thing (many years ago).

You shoulda told them "Then by federal law, the FDIC now owns this bank"

Avid Reader · « **Reply #55 on:** June 07, 2012, 02:51:24 PM »

Quote from: Chaikel on June 07, 2012, 02:35:09 PM

You shoulda told them "Then by federal law, the FDIC now owns this bank"

LOL,
They probably meant 'cash on hand'. But either way, sounds really bad to hear that from a bank.

smart brit · « **Reply #56 on:** June 07, 2012, 03:30:55 PM »

I had an account with them for 2 months and had a lot of cash in there and came in one day to make a withdrawal of 10k and they didn't have told me to come back tomorrow I thought it was because he didn't want me to close the account but the next day I closed the account

Avid Reader · « **Reply #57 on:** June 07, 2012, 03:57:12 PM »

Quote from: smart brit on June 07, 2012, 03:30:55 PM

I had an account with them for 2 months and had a lot of cash in there and came in one day to make a withdrawal of 10k and they didn't have told me to come back tomorrow I thought it was because he didn't want me to close the account but the next day I closed the account

Crown Heights branch?

HelpMe · « **Reply #58 on:** June 07, 2012, 04:19:57 PM »

Quote from: txtmax4 on June 07, 2012, 12:55:23 PM

Courtesy?? How about they should shell it out for paying out a thief's check? They should have verified the signature before releasing the money. Now they are trying to blame me for it??

I understand you are upset/mad about this. Just giving my view based on my interactions with banks. I think it would be totally unreasonable to expect any bank to verify every signature is real and I do not think they are required to do so.

txtmax4 · « **Reply #59 on:** June 07, 2012, 05:01:16 PM »

Quote from: HelpMe on June 07, 2012, 04:19:57 PM

I understand you are upset/mad about this. Just giving my view based on my interactions with banks. I think it would be totally unreasonable to expect any bank to verify every signature is real and I do not think they are required to do so.

IMO the fees go hand-in-hand with the reimbursement of the check. If they agree that they're liable to refund for the lost check, they're responsible for all the side effects as well.