B
blanc
Guest
I may have had a stroke of good luck, but I'm not sure how to handle it.
While reconciling a bank statement against our checkbook register in October, (my wife had been doing it for years) I notice that the bank thinks we have around $5500 more than we think we do.
So, of course, we go back through about a year's worth of registers and statements to try to find the discrepancy. No luck. we can't find where we've made a mistake as every item in their statements is accounted for in our registers and vice versa.
The bank claims to only keep 3 months worth of records and then only for statement reprints, but they also claim that if the mistake is on their end, and they discover it, they can "adjust" my account balance accordingly, with no time limits involved.
Is there a federal or Florida statute of limitations involved?
I've notified the bank of the discrepancy, but all they can recommend is to keep checking for a mistake on our part (which I would love since it means their balance is correct) and to ignore the added money in the meantime.
I guess I could go through the hassle of moving all of my accounts (checking, mortgages, car loans, etc) to another bank so our bank couldn't "adjust" our account if they find the discrepancy (which I have been completely up front and honest about to them). But is it worth it? Could they come after us even then? They still say that the money's there, but we feel that we can't touch it until we have proof.
How long should we give them?
What are our options?
Thank you,
While reconciling a bank statement against our checkbook register in October, (my wife had been doing it for years) I notice that the bank thinks we have around $5500 more than we think we do.
So, of course, we go back through about a year's worth of registers and statements to try to find the discrepancy. No luck. we can't find where we've made a mistake as every item in their statements is accounted for in our registers and vice versa.
The bank claims to only keep 3 months worth of records and then only for statement reprints, but they also claim that if the mistake is on their end, and they discover it, they can "adjust" my account balance accordingly, with no time limits involved.
Is there a federal or Florida statute of limitations involved?
I've notified the bank of the discrepancy, but all they can recommend is to keep checking for a mistake on our part (which I would love since it means their balance is correct) and to ignore the added money in the meantime.
I guess I could go through the hassle of moving all of my accounts (checking, mortgages, car loans, etc) to another bank so our bank couldn't "adjust" our account if they find the discrepancy (which I have been completely up front and honest about to them). But is it worth it? Could they come after us even then? They still say that the money's there, but we feel that we can't touch it until we have proof.
How long should we give them?
What are our options?
Thank you,