Major screw up

[wcleigh]

What is the name of your state? Kentucky

I deposited money into my account to pay for a bill that was due, two days later the bill went through as a posted item. Shortly after I closed my account to open a joint account with my wife. Now the bank is saying the money was returned, and my balance is now at -$918.63, the amount of the bill. I went to check my online banking, with them, and the item is gone. No posted or pending items. They're telling me it's never showed as a posted item, but I have a print out from their site shortly after it posted and when I told them of this, they pretty much called me a liar, and said I had 5 days to make a payment, or it was being turned over to a collection agency. I've tried contacting a lawyer about this, but everywhere I tried calling said they'd have to return my call Monday morning. Should I be responsible to pay them back, even though it shows(and was) taken out of my account?

[justsomeguy]

How, where did you deposit this money? If you did it at a teller there will be a record. If you did it at an ATM there will be a record.

[efflandt]

Are you sure the charge was actually posted or was it just PENDING? Some things take overnight (sometimes a day or too) to finalize. For example my monthly Blockbuster charge typically shows as PENDING for a couple of days. Does your online statement show an accounted balance and "available" balance, and are they the same amount, and the same as you got when you closed the account?

Originally Posted by wcleigh

What is the name of your state? Kentucky

I deposited money into my account to pay for a bill that was due, two days later the bill went through as a posted item.

What was the source of the money you deposited? Was it cash? Was it a check that could have bounced? By any chance, did someone give you a money order and ask you to keep part of the funds and return the rest to them (or forward it to someone else)?