Posted on 05/30/2017 6:16:23 PM PDT by SteveH
i have electronic banking with bank of america. a few days ago i deposited a tax refund check using atm, since b of a deducts a hefty fee for any face to face electronic checking account transactions.
today i got a notice in the mail that my deposit was debited because my spouse was also on the check but not on my account, even though it was countersigned. along with the notice i got a copy of the check but not the check itself.
what are my rights? i feel like reporting it as a robbery to the local police.
I closed my BOA account when they backed Billy Bob Clinton.
Go to the branch and get the check back.
Like others here, I closed my BOA account long ago.
I would suggest threatening them with closing your account unless they refund your money. Then, whether they give you your money or not, close the account within the next two months. Use that time to find a good local bank to move to, and check references with friends so you know it’s a good one.
After a few mechanical run-ins I swore of ATMs twenty years ago.
Live by the faceless machine, die by the faceless machine!
I worked for BofA before it merged with NCNB (No Cash for Nobody). Closed my account, bank just kept taking and taking.
BofA is the bank to use in the time from when you don’t know the first thing about banks to the time when you’ve finally had it with being bent over.
I started with a Credit Union a long time ago. It did not pay its tellers very well thus it functioned as a teller training school for the local banks and richer CUs and some of them made errors from time to time but they were always resolved satisfactorily without calling for attorneys and I love that my account, which was necessarily normally below $200 back in the day didn’t dribble away with the constant nickel and dime fees charged by the banks I had dealt with previously. That factor alone kept me at the CU. There have been no mistakes in the last 8 or 9 years and there are still no fees. They didn’t lose any money in the late real estate meltdown and hold all the mortgages that hey originate in their own hands. They don’t sell them. I like that in a bank or CU.
I’ve never had an issue with ATMs and I’ve been using them since 1979.
I got away from Bank of Amexica when they became one of the first banks to facilitate accounts for illegal aliens.
I lost a deposit and the things took my cards several times for which I got no explanation. I don’t miss them. I do everything on line now with a Visa which I pay off almost daily on line.
I don’t use ATM machines if possible. I go in and ask the teller to act as an ATM and give me some of my money. They are pleased to talk to people one on one. I use checks and cash as much as possible for the majority of my transactions.
Never make deposits via ATM. Especially not if the check is complicated. Go to the branch, get it worked out.
so...
i wonder if i can take the copy of the check and cash it at another bank, since i checked my b of a deposit the amount was debited after being credited.
i wonder what actually happened to the actual money if b of a presented the check to the state but credited and then debited the money.
You pay off your Visa card daily? That sounds a little extreme.
BofA sucks! No Federal Reserve banks for us!
That said, go to the branch and get your check back.
ATMs are fine for withdrawals, but for deposits they’re too risky. If an in person deposit goes awry the bank has a paper trail they trust to work with it, they officially don’t trust their own ATMs, so if they lose the check semi-officially assume the machine got spoofed and the check never actually existed. Much like with human tellers chances are nothing will happen, but if it you want it to happen where the bank assumes they made the mistake, not you.
We got away from Bank of America when we found out it was the lead bank which had financed and built a 2,000-apartment Section 8 housing complex, which when it was fully occupied literally trashed our subdivision and the local super WalMart. Now you can’t walk the streets without encountering nastiness and hostility and abandoned shopping carts. At the WalMart all the boxes are pilfered and product stolen or missing, and the exits are manned with receipt checkers because the theft problem is so out of control.
I did some sub-contract IT work via one of the worst companies I ever dealt with but that’s all there was a few years ago.
The job was changing the PCs and related in BofA branches in the state.
I would rather eat grass and pick up can from the side of the road than ever deal with BofA or any outfit representing them.
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