my bank unjustly took my money and I have a plan to get it back will the bank have legal recourse if i do this?


A charge was made to my account in the amount of Eighty seven dollars. I did not net this charge and it was traced back to Utah, where apparently someone used my hill card. I reported this claim and they put the money back in my account, however a week then they sent me a letter saying that no mistake had be made, and they took the eighty seven dollars back from my account! WTF I didnt make this charge! They own refused to further cooperate, so I have the following plan: I have closed my Bank of America money account and now have that sketch at citibank. As for my checking account at Bank of America, I have withdrawn all my money and put it contained by citibank but have NOT closed the account, it just have a balance of 0.00. So in order to capture my money back, I am concidering using my check card to overdraft the account with a purchase of around eighty seven dollars, consequently they never hear from me again. Bank of America cannot access an account in a different bank, nor do they know what edge I am using now. With the thirty five dollar overdraft fee, the amount I would supposedly owe BOA would be $122, well short of the minimum claim of $300 they entail to file against me at my county court house. Also I have no mortgage or any other affiliation with Bank of America that they could steal my money from. My question, could the bank do anything at this point? Also for those who question my charactor, save in mid that I just want my money back, and I cant database a claim with the court in my county unless I have a claim of at least possible $300, plus I cant afford a lawyer. NoBama: I spoke to two supervisors in the claim department, so yes. And I know that I can legally wallet against a bank, but county courts have minimum claims, and my county court will NOT hear any case near a claim under $300 and I have less than a third of that amount against the guard.
Best Answer:
I doubt your debit card would work if your acct is 0. It would be declined. I would go into the wall and see whats going on. They must feel u used the card, and u have to prove u didnt. Besides its theft if u do that. in that are ways to clear it up and u have to do it that way. And they can ruin your credit with adjectives other banks.
Yes, the bank can destroy your credit, making it extremely hard to get low interest rates in the adjectives, and you'll end up paying that money back and more later. I would jump to the bank, explain it again, make them listen, after all you're the customer and if you've be wronged they will help you. However don't mes with banks, b/c everything you do at one have impact on your credit score.
You're going to go through adjectives this and ruin your credit score for 87 dollars? Don't be an idiot. Walk into the bank and have a seasoned civilized conversation with the bank manager....and feel it like a grown up...not a scheming teenager who is apparently feeling like to cut off his nose to spite his face. Phucking up your credit win at the hand of one of the few remaining banks left over 87 dollars is meaningless. Try to resolve it like a grown up or get over it...in any case..your little scheme is dumb and will end up costing you more contained by the long run.
>My question, could the sandbank do anything at this point? They'll go thru a collection agency to get their money back. >however a week then they sent me a letter saying that no mistake had be made, and they took the eighty seven dollars back from my account! Did you ever contest the findings of this letter? Visit a branch offic e? Discuss it near bank management? You are legally entitled to wallet a claim against the bank and are not liable (legally) for more than $50 dollars in fradulent charges.
The banks are desperate to claw as much from customers as they can to help pay support the debts they have run up so you will not be alone. However, you could always sue them and demand they prove you took the money. They will support down immediately and apologies once their lawyers get their hand on the paperwork. You shouldn't just settle for the $87 you should be claiming for your time taken up with your attempts to reason, your phone call and even the distress they have caused. There are no win no fee lawyer out there who can only survive by taking on bang to rights cases approaching yours. On the other hand it would be a wheeze to leave them with a motionless account with no means of recovering the money. However, others hold pointed out this could damage your credit rating. 30 years ago National Westminster bank in the UK upset me by bouncing a cheque 1 year before my monthly pay landed surrounded by the account then charged me for the privilege. I argued with them and get the charge back and then took everything out but 1p. They were indebted to send me statements every month so for 20 years they sent me statements every month. About 10 years ago they wrote to me saying the account be inactive and unless I contacted them the money would be declared dormant. I contacted them and they agreed to keep the account but as the description is not used they would change the statements to once every 3 months. How much has that cost them over 30 years and adjectives it cost me was 1p. Barclays benefited by my transferring to them and last year alone over lb250,000 went through the 4 accounts I enjoy with them. My company also banks with Barclays International within 3 countries. The moral of the story is always keep your customers sweet.
You will lose poorly if you try to take them on that way. The ONLY method I've found to recoup losses from incorrect charges or mistakes from ANY massive establishments is to remain persistent. Keep calling their customer service. Stay on the line for as long as it takes. Getting a advocate for $87 is ridiculous, but if you're as stubborn as you sound, you'll have no problem hounding them until you get it subsidise yourself.
If you withdraw money from your checking account in the acquaintance that it's not there, that is legally fraud, and the wall will file a criminal complaint against you. They will also place this on your credit as a check fraud issue - which will almost certainly result in CitiBank closing your accounts. What State do you live contained by that small claims courts do not allow cases under $300???? I have never heard of such a rule anywhere. (Some States require that claims below a unquestionable threshold must be filed in small claims court not regular court, but the idea that a claim is too small to appropriate to court at all is unheard of) Richard
Yes, They can sue you for the overdraft amount, court costs and penalties. If they will not work next to you further, you need to try and call the main department for that bank and try again. If no luck, you may just be out of that money. Definitely switch banks.
No they cant but it will be a bad blotch on your credit.
They can attach overdraft penalty. They'll most likely hound you about it for several months as the over draft penalties hold piling up. It will end up ruining your credit, which if you have bad credit already you don't want to get it worse, credit is not hard to fix in 6 months time. Doubt they would sue for $87 dollars, the lawyer fees would cost them more than it's worth, but I've see stupider things. lol For instance my last insurance company, I owed them $.23... seriously.... twenty three cents. They sent monthly notices at $.42 a stamp for over a year before I completed up sending them 23 pennies in an bundle of duct tape.
Assuming they pay envelope the charge, they can collect or report you to the credit bureau. They can report you to Chex system keeping you from opening a new checking account until they enjoy their money. If they don't pay the charge, you can have criminal charges filed against you by whoever you purchased the item from.
Just because they do not have access to your money doesn't mean they have somehow forgotten who you are or where on earth you live or how to get a hold of you. Or in this case, to own a process server get a hold of you to deliver court documents. Regardless of the circumnstances you would essentially be stealing from a bank. They don't put up with that variety of crap.
Interesting plan, but illegal. You would be using a check card to purchase these items, and use of a check card when there is no money available is fraud. They can ding your credit score, and pinch you to collections. I myself have been a victim of ridge fees and crap, but it's part of the wonderful american way. I would address the Utah incident again with them, send for the 1800 number they tend to have better customer service, or a branch manager. Good luck!
Yes. The bank could verbs your credit report. The bank is bigger and richer than you and therefore can screw you over if it wants and the imperative is on it's side. This sounds like identity theft. Go here for what to do: http://www.privacyrights.org/fs/fs17a.htm Bank of America is awful and steals money from customers regularly. They did it to me once (overdrafted my account by over a hundred bucks because they held a deposit for days on the other hand put all checks and payments through just to charge me overdraft and steal). Good riddance to them. In my case, I merely never paid it and went to a new ridge and their abuse eventually fell off my credit report. Occasionally I hear from one of those zombie debt collection companies trying to extort money, but I know my rights and I just dispute it every time. I own excellent credit now and Bank of LetsStealFromYa has never seen a penny of my money again - despite trying to bring my business time and time again. I know it's wrong, but is the $87 worth seven years of a bad credit rating to you? They're just being stagnant thieves, but maybe the identity theft family have more options for you as to how to get your money posterior without ruining your credit score. P.S. - Credit Unions, my friend. Bank competition has disappeared and they save merging into these abusive behemoths. They no longer care even remotely about their customers and they enjoy no shame about being underhanded thieves and making policies that screw empire over again and again. They're too big and rich and they see customers as marks. A good credit union (most are) care about it's customers, knows them by name, and will not screw you over. Plus, the rates are instrument better for loans and such and you have a mutually beneficial relationship - not a one-way dictatorship.
they can send you to check systems where you won't know how to write checks or they can sue you and make the balance go over $300 within order to have a judgement against you.
Have you filed a police report? That would be my next step. Then I would whip a copy of that back to the bank and kindly request they check into it again. If that doesn't work, I would contact their loss department (or doesn`t matter what they call it) directly. I wouldn't do what you're thinking of because: 1) the bank will blackball you, and, 2) it could be considered fraud, which would get YOU within trouble. Don't you have a small claims court? You would still need the police report, though, to try to make a armour. Good luck.
When they start tacking on interest and legal fees, it can get road over $300. So yes, they will come after you for that amount. And, if they can prove you intentionally did this, there could also be criminal charges file.
I, too, and a similar problem with Bank of America taking money out of my justification. This was about 20 years ago. It's nice to see that they haven't changed a bit. In my case, they would not set aside me one bit of assistance, either. I solved the problem by opening and account at a credit confederation and closing my account at B of A. I never did get my money back. Don't do what you are planning. You will freshly cause more trouble and grief for yourself.