|
I get paid via check, and always use the mobile app there and then to cash it. I write something like 'deposited via mobile app', the date, and my signature on the back. The previous Friday I had a bit of an issue with doing this for some reason as the app kept saying the amounts didn't match up, but it eventually went through. 2 days later, I get an adjustment for about $1,000 and I presume it's because of this check. I have money in another account to keep me going, so it didn't feel like the biggest deal that I'd just take the original check into the branch at some point and get it corrected. Except, that's not what happened. The adjusted amount was actually for a check I cashed back in May. At some point, it appears that I've lost this check (it's either fallen out of my bag, or someone has spotted it somewhere/somehow and stolen it). I get a letter showing me the same check was cashed twice, about 3 weeks apart and scans of it. The one that was scanned later clearly has my note on the back crossed out and apparently was sent to a Back of America account (not my bank). My boss had noticed a double deposit of a check, contacted her bank and asked them to pull the one that was deposited last. Except they pulled it from me, for some reason. I'm guessing it's because the BoA account is now cleaned out and it's easier to take it from me? So, I'm heading to the bank this afternoon and fingers crossed they'll be able to get it sorted. But in the meantime, I'm kinda intrigued as to how the hell this happened. I'm not use to the American banking system, as Europe is direct deposits and instant transfers and I haven't seen a check for about 15 years before moving here. Surely to cash a check in my name, someone would've had to have opened an account in that name (and I have my address on the check too, so something to prove that too?) as well as being able to explain why it says it was deposited in another bank already on the back (I think I can make out an initial on it, so someone has cleared this). The whole thing screams fraud, but somehow someone has 1. had the balls to do this, and 2. some worker has been stupid enough to let it happen. Even the fact that I've somehow lost this check and it didn't just remain lost/end up in someone who isn't a crooks hands, feels pretty damned unlucky. Every pay check I get from now on is getting VOID stamped on the front
|
#
?
Jul 11, 2017 18:39
|
|
|
|
| # ? Apr 29, 2024 20:39 |
|
|
EL BROMANCE posted:I get paid via check, and always use the mobile app there and then to cash it. I write something like 'deposited via mobile app', the date, and my signature on the back. So you endorse the check to be cashed (by anyone) and then you... leave it somewhere loose enough that it can just fall out of your bag? Once you sign a check where it says "ENDORSE HERE" that check is basically paper money. They could stick that poo poo into an atm and have the cash. So... how did this happen? Your fault, mostly. e: quote:Restrictive endorsement - get it into your account: to ensure that the money gets into your account, it's a good idea to include your account number with your endorsement with instructions saying the money can only be deposited to your account. MY INEVITABLE DEBT fucked around with this message at 23:14 on Jul 11, 2017 |
|
#
?
Jul 11, 2017 23:08
|
|
|
Ah yes, the old check I forgot about but somehow endorsed scam. Haven't seen that one in awhile.
|
|
#
?
Jul 12, 2017 00:24
|
|
|
also why do you think someone has to have an account in your name to cash a check written to you?
|
|
#
?
Jul 12, 2017 00:30
|
|
|
Most likely my fault that I lost it, but I'd have thought writing "{signature} Deposited on {My Bank} mobile app on 5/19" Would be enough to say 'this check has been deposited and is now worthless'. Like, I don't remember endorsements at all from home because nowhere would ever really pay you by check even in the 90s, but I worked in insurance and know enough level 1 flags that if someone came into my bank with a check that already said it had been deposited, with a name and address on it that they wouldn't have ID for... that screams fraud. Like I know the system is too antiquated and broken to have things automatically pick up on stuff like the same check being cashed twice, so you'd think the people handling this stuff would have it drummed into their head. My bank at least says it's out and out fraud and I should get my money back, while the companies bank are admitting they didn't pay attention to the email telling them which one to cancel. E: sorry didn't see follow up reply. Really? That's loving madness that you can deposit a check in someone else's name. Like I'm sure it feels normal to you guys because it's all you know and grew up with, but the rest of the world works so much better than this.
|
|
#
?
Jul 12, 2017 00:53
|
|
|
You ain't getting the $1,000 unless your boss writes you a new check. Use direct deposit or cash your check in person for cash.
|
|
#
?
Jul 12, 2017 00:54
|
|
|
Yeah my company doesn't do direct deposit full stop. The 'take a photo of the check to cash it' seemed a cute solution to a problem that shouldn't really exist.
|
|
#
?
Jul 12, 2017 00:58
|
|
|
MY INEVITABLE DEBT posted:also why do you think someone has to have an account in your name to cash a check written to you? FWIW my bank won't even deposit a check with multiple names on it unless all of them are there. So it varies.
|
|
#
?
Jul 12, 2017 02:57
|
|
|
EL BROMANCE posted:Most likely my fault that I lost it, but I'd have thought writing My advice would be take it up with your bank AND the bank that accepted the check with the scribbled out/doctored endorsement. There's a good chance you're not getting that money back, but you have room to bitch at your bank/ask what the point of their digital/photo deposit system is if anyone can steal your already cashed checks and they'll be okay taking the money out of your account after the fact. Your bank especially would be the one that actually gives a gently caress about maintaining a relationship with you, if anyone actually does. Sorry about your bad luck. The stink you raise with the other bank is going to be less a "Give me my money" and more "The police need to investigate this and your manager needs to get in trouble for not properly training/supervising employees."Looks like you're already doing that though. The idea behind "Anyone can cash an endorsed check if the person who it's written to endorses it," is largely to allow someone to manage accounts and money, like an elderly relative or child/dependent.
|
|
#
?
Jul 12, 2017 03:47
|
|
|
EL BROMANCE posted:Yeah my company doesn't do direct deposit full stop. 
|
|
#
?
Jul 12, 2017 05:00
|
|
|
EL BROMANCE posted:Yeah my company doesn't do direct deposit full stop. Do you ride around on the back of a truck with Cutty and a bunch of Mexican folk fixing up fat white ladies lawns
|
|
#
?
Jul 12, 2017 10:28
|
|
|
Tax evasion or dispensary? I always forget how much of the country regularly evades taxes until I drive through Indiana. "Wow, you're the first person I've met with a credit card!"
|
|
#
?
Jul 14, 2017 03:56
|
|
|
Coolness Averted posted:My advice would be take it up with your bank AND the bank that accepted the check with the scribbled out/doctored endorsement. There's a good chance you're not getting that money back, but you have room to bitch at your bank/ask what the point of their digital/photo deposit system is if anyone can steal your already cashed checks and they'll be okay taking the money out of your account after the fact. Your bank especially would be the one that actually gives a gently caress about maintaining a relationship with you, if anyone actually does. Sorry about your bad luck. The stink you raise with the other bank is going to be less a "Give me my money" and more "The police need to investigate this and your manager needs to get in trouble for not properly training/supervising employees."Looks like you're already doing that though. You are absolutely getting the money back and the bank that cashed the check with the fraudulent endorsement is 100% responsible for it. Your boss needs to go to her bank and file a claim, which is what it sounds like already happened, they just hosed it up on their end. This is just straight up banking regulations, not trying to leverage your customer relationship or whatever. Next time shred your checks after you deposit them.
|
|
#
?
Jul 14, 2017 10:49
|
|
|
|
| # ? Apr 29, 2024 20:39 |
|
|
Tokyo Sex Whale posted:You are absolutely getting the money back and the bank that cashed the check with the fraudulent endorsement is 100% responsible for it. Your boss needs to go to her bank and file a claim, which is what it sounds like already happened, they just hosed it up on their end. This is just straight up banking regulations, not trying to leverage your customer relationship or whatever. Next time shred your checks after you deposit them. But didn't OP's employer basically sign off on documents/not pay attention saying the fraudulently cashed deposit was who the check was intended for? But yeah the other bank is totally in violation of banking regs by letting someone deposit a clearly doctored check.
|
|
#
?
Jul 14, 2017 21:34
|
|