Banking and Asylee rights

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SINNERSROOM

Registered Users (C)
On Monday i cashed two checks at the bank where i dont have an account. I counted money very fast and left the bank(i didnt notice anything ). Yesterday i found out from employer that bank charged my employers account because teller by mistake gave me extra $400 cash. I found out about mistake when my employer told me about that yesterday .I am mad why would bank charge my employers account without informing me first about mistake? :confused: :mad: i am a litte bit confused now .i am thinking what is the best way to punish this fking bank.
i am going to file a complain Better Business Bureaus about that bank :D
 
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thankful said:
First, I am sorry to hear the problem. But how does it have anything to do with "asylee rights?"
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why not if bank disclose your private life to 3rd party without informing you. isnt it related to your rights? i am still asylee . i guess banking policies are really different to asylees and citizins. i wanna know what rights asylee has to protect their privacy in this case. i think bank overreacted by charging my employers account without informing me.
 
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SINNERSROOM said:
On Monday i cashed two checks at the bank where i dont have an account. I counted money very fast and left the bank(i didnt notice anything ). Yesterday i found out from employer that bank charged my employers account because teller by mistake gave me extra $400 cash. I found out about mistake when my employer told me about that yesterday .I am mad why would bank charge my employers account without informing me first about mistake? :confused: :mad: i am a litte bit confused now .i am thinking what is the best way to punish this fking bank.
i am going to file a complain Better Business Bureaus about that bank :D
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Sinnersroom:
Were the checks from your employer?

Now the question is, did they really give you $400 extra? In that case, go back and return it.

But something doesnt sound right here: either your employer or the bank is not being straight. Whoever wrote the checks (your employer?) is liable for only the face amount on the check. If the bank handed out $400 or $4000 extra, thats the bank's problem, and they will be in major trouble for taking the funds out of your employer's account. Ask your employer to contact the state banking regulators (http://www.consumeraction.gov/banking.shtml) and complain.

But make SURE YOU RETURN THE MONEY QUICKLY, preferably TODAY--they made the mistake but they can still send the cops after you for this. There is a long list of precedents with ATMs giving out extra cash: its considered theft (no offence meant--I am just stating facts). You definitely dont want a criminal record at this stage in the game.
 
SINNERSROOM said:
On Monday i cashed two checks at the bank where i dont have an account. I counted money very fast and left the bank(i didnt notice anything ). Yesterday i found out from employer that bank charged my employers account because teller by mistake gave me extra $400 cash. I found out about mistake when my employer told me about that yesterday .I am mad why would bank charge my employers account without informing me first about mistake? :confused: :mad: i am a litte bit confused now .i am thinking what is the best way to punish this fking bank.
i am going to file a complain Better Business Bureaus about that bank :D
Click to expand...

I worked as a teller before at FIrst Union(Now wachovia). The thing is,

1) If you don't have an account with the bank, you can only cash the check if the check issuer is the bank you are trying to cash the check at.
2) At the end of the day, bank teller have to settle, track the money that went out and money that came in..it should all match with the receipts.
3) If a teller made a mistake in handing you out more cash, he/she can either deduct automatically from your account or the check issuer's account.

Yes the bank gave you more money but to keep it simple, you should've returned it back because they WILL not lose money like that. They have checks and balances that track exactly what you get and how much. So its a matter of time when they find out.

You can't do anything. They followed the FDIC procedures set in place. If they had given you 100 dollars less, the bank would've also credited your account with $100 or called you on it.

And its not theft as floyd is suggesting. They got their money back. It was their mistake, YOU DID NOT STEAL IT.....If they make a big deal about it, bring up the fact that teller gave you more money and it was not your fault..You never count your money. Banks will never go after customer so just chill. Return the money to your employer and you are fine.

How would they have contacted you if you have no account with them? Look you up in a phone book? THey do whats simple for them not for you.
 
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Question

So, how does the bank know that out of the hundereds of the checks that teller handled that day, this is the check they made the mistake on? How are they going to prove that? watch the tape or what? What if this was the last paycheck from this employer? Why should Employer get screwed in this case?
 
I don't think the bank could simply tell an employer that the bank made a mistake, and then compel the employer in question to agree to be charged for $400.

Unless the bank had presented concret evidence to the employer, I don't see why the employer would agree to be responsible for the $400.

In this case, we are talking about $400 dollars, which are at least 4 hundred dollar bills. Let's face it, if the bank did overpay by $400, it was not easy for the recipient to 1) count, and 2) to fail to realize he was overpaid.

If you are alleging that the bank fausely charged you, you should fight all the way to court.

If they did overpay you and have evidence in the form of video tapes of the teller handing you more money than he / she should have, your employer would not have been contacted if you contacted the bank immediately about its mistake. I don't think you have a case unless you were never overpaid by $400.
 
pvlaca said:
I don't think the bank could simply tell an employer that the bank made a mistake, and then compel the employer in question to agree to be charged for $400.

Unless the bank had presented concret evidence to the employer, I don't see why the employer would agree to be responsible for the $400.

In this case, we are talking about $400 dollars, which are at least 4 hundred dollar bills. Let's face it, if the bank did overpay by $400, it was not easy for the recipient to 1) count, and 2) to fail to realize he was overpaid.

If you are alleging that the bank fausely charged you, you should fight all the way to court.

If they did overpay you and have evidence in the form of video tapes of the teller handing you more money than he / she should have, your employer would not have been contacted if you contacted the bank immediately about its mistake. I don't think you have a case unless you were never overpaid by $400.
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Obviously the employer had a bank account thats why they deduced 400 from his account. The teller overpaid, wrote on his slip how much she gave to the customer and the customer has acknowledged(at least here) that he overpaid....Its case closed.

If you try to cash a check and it bounces, your bank will also charge you a fee even though it was not your fault..
 
Punjabi_Munda said:
So, how does the bank know that out of the hundereds of the checks that teller handled that day, this is the check they made the mistake on? How are they going to prove that? watch the tape or what? What if this was the last paycheck from this employer? Why should Employer get screwed in this case?
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I am pretty sure the bank has some proof. Such as receipt that he/she gave customer x, y amount of money where he should've gotten y-400. If they had no evidence, they couldn't just deduct 400 out of random saying "oh wait lets pick on him since he looks like an asylee"...:) :)
 
floyd said:
Sinnersroom:
Were the checks from your employer?

Now the question is, did they really give you $400 extra? In that case, go back and return it.

But something doesnt sound right here: either your employer or the bank is not being straight. Whoever wrote the checks (your employer?) is liable for only the face amount on the check. If the bank handed out $400 or $4000 extra, thats the bank's problem, and they will be in major trouble for taking the funds out of your employer's account. Ask your employer to contact the state banking regulators (http://www.consumeraction.gov/banking.shtml) and complain.

But make SURE YOU RETURN THE MONEY QUICKLY, preferably TODAY--they made the mistake but they can still send the cops after you for this. There is a long list of precedents with ATMs giving out extra cash: its considered theft (no offence meant--I am just stating facts). You definitely dont want a criminal record at this stage in the game.
Click to expand...
I found out from my employer that Bank gave me some extra . i didnt notice it before .
I would return money at convinient day for me . why Should i pay for their mistake and waste my time?
I dont have to return anything anymore cause my employer will withhold it from my next paycheck.
It would be better if they would call cops rather than charging my employers account.If Bank would call cops they would be in deep shit i would hire expencive criminal lawyer and they would pay for everything plus legal fees;)
I called Bank today an explained them how stupid their ;) Manager was trying to explain me that they thought that i might have some expences thats why they charged my employer :)
 
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wantmygcnow said:
Obviously the employer had a bank account thats why they deduced 400 from his account. The teller overpaid, wrote on his slip how much she gave to the customer and the customer has acknowledged(at least here) that he overpaid....Its case closed.

PHP: 
If you try to cash a check and it bounces, your bank will also charge you a fee even though it was not your fault..[/QUOTE]
but they dont charge employer

I still cant understand why they couldnt call my employer and ask my phonenumber . To be honest with you i cant get american customer service . whenever i go to bank or grocery store . cashiers always try to start conversation about some bulshit with clients . thats why they make mistakes. it happened to me 2 nd time.
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