seniorjudge
Senior Member
...Let me REPEAT that, my account was NEVER under $4,000 at any point. ...
In other words, what you had in your account that belonged to you was ZERO.
...Let me REPEAT that, my account was NEVER under $4,000 at any point. ...
I don't mind the truth, whatsoever. One more clarification, Again I never used that money. Back then, I was unaware checks could be cashed so quickly. I learned that from this experience, and I never now write any checks without the proper funds ALREADY in the bank. I only brought that issue up as it was the truth of something that happened in regards to this story.SP103 Please don't ask for an opinion if you're not willing to hear the truth.
Here is what happened: The bank made a mistake. You helped them find it. They finally fixed it. You may not realize this but the "bank" is not some all-powferful god - the bank is people and people make mistakes. So as a banker, I will give you some peace and say "I'm sorry the bank made a mistake. We should have corrected it earlier." There. I hope that makes you feel better.
As far as the Countryliving and Seniorjudge they were being honest and used your wishy-washy story against you; next time make sure you've got your story straight.
Now, I've given you my opinion. I've given you an apology on behalf of all bankers out there for the mistake. Can we consider the matter closed? Can you go on with you merry life accepting the fact that your bank isn't perfect, because I certainly will.
You know as a banker I don't mind eating crow every now and then. At the end of the day it's all about the revenue!![]()
I too have never bounced a check. Where am I complaining? I only induce that I did everything correctly, at least i thought, to rectify the situation. Please see my above post about the "float check".I've never bounced a check in the 40+ years I've had a checking account and I have lived payday to payday.
Neither have I complained about something FOR FOUR YEARS and continue to seek out people who will pat me on the back for doing the right thing and whine when I can't get sympathy for doing the wrong thing. And then there's that whole "can't get my story straight" thing.
And, Gracie, bouncing a check or using someone else's money for float is not a "tiny infraction". I hope you'll figure some of this out as you get older.
And, what "legal requirement" would that be?Second, the bank failed to explain the error as they are legally obligated to do.
Legally, as stated here: http://www.ftc.gov/bcp/conline/pubs/online/payments.shtm (See ETF) the bank is required to notify me of the results of the investigation. The duration from the time the $4,000 was deposited until it was removed was over 6 months. What they failed to do, three times, was give me a result of their investigation. Twice, they replaced the money. Once after 45 days, then 60 after notifying them again. After the second time, I was told "Nothing was found in error" by the phone operator at Gold Star (affiliated with Fleet Bank). Then the third time, it was taken out completely, without notifying me,again with no explanation, and a check was sent to close the account and settle the difference ($401). When I asked the local branch manager, I was told "Get a lawyer". That was it.And, what "legal requirement" would that be?
Nope, Never.SP103 Accidently Bounced a Check!!!! get off their back. have you never done this?
I think you are very honest and respectable for not spending the money.Then why are you on here giving "Legal Advice"?honestly i probably would have taken it lol.Yes, that is obvious.Im no expert( obviously)
You are entering into giving very dangerous advice.but I think the bank was in the wrong. Dont worry about it, you did the right thing.. now find a new bank.!Instead of quarelling over tiny infractions... why dont you give the this person what they asked for... advice.. not harassment?
Where was your legal advice, other than,"I would have kept it"?
Check yourself, as you are not the mod of this site.
Well, you've received the opinions of people who are familiar with the law. You obviously don't like it, but you've received it just the same. Perhaps someone else will come along and tell you what you want to hear. In the meantime, please stop giving incorrect advice to other posters.
Yet you feel the need to post off-the topic things in this thread. Can you clean this up? Clt I tried to PM you, but it's turned off. Where do I validate my advice here on this forum? Do I upload my resume and college degree to validate my advice? Am I missing something?Ditto! I can just picture others cleaning up his mess on threads today.
How in the world would we possibly know that?How did $4,000 get deposited accidentally in my ATM bank account?
Then don't respond. Period.How in the world would we possibly know that?
First, post in the correct thread. (That specific thread I gave advice in). Second, if you have nothing to contribute here, don't bother. Finally, turn on PM's if you wish to communicate 1 on 1 with people here.Actually, how it works is, I enter my user name and password. If it gets me in, then my membership is active and I get to respond to just about any thread I want.
Now, if I start telling people things like, for instance, "if she's not on the lease she's not a tenant and you can kick her out" then I'm giving incorrect advice, which isn't tolerated here for very long. Then I might very soon discover that my user name and password doesn't work. So far, so good.