I had an account with wamu. Then someone tried to purchase my car with a fake check. And because of that, they closed my account. Then they made it publicly marked in records to all banks and now no bank will take me because all it says on the statement is fraud. It doesn't say that I wasen't the one who didn't write the check. Also because of this my other bank account with usbank closed and without telling me. So when it was time to pay off my credit card, bill pay was nonfuntioning, and the cards where never paid off. To make matters worse, late fees made it impossible to ever pay it off. How can I get rid of the late fees from the card and just pay off the card considering it wasen't my fault, and how can I force them legally to restore my credit? Any lawyers wanna represent me? Thanks.
2006-09-06 16:48:32 · 8 answers · asked by Anonymous in Politics & Government ➔ Law Enforcement & Police
What the **** are you people talking about? I never deposited the check. like said, they saw that it was fake before it was ever cashed. I said I tried to cash it. Their was never anything deposited into the account. And I ended up selling the car to someone else. why would I sell the car to someone who gave me a fake check?
2006-09-06 16:59:37 · update #1
"Ok, you deposited a faked check."
No I didn't. I was never deposited.
"So when it did not go though, if you had taken any money out of that account you had to pay the bank back for the bad check."
I didn't have to pay them back for anything becuase I never recieved any cash from the bank for the check.
"If you did not have the money to pay them back ( money you took from the bank when you took the check, then you can be in legal trouble, since the bank gave you the credit for the check and now you have to pay them back for the money they gave you."
Pay them back for what? I never recieved any money from the check? I said it was a fake check., Meaning the bank never cashed it, or deposited anything into my account. All they did was shut down my account give me all the money that was in it, and put fraud on my credit record, making it impossible for me to ever get an account with anyone ever.
2006-09-06 17:03:31 · update #2
"It sounds to me like you failed to follow up on this situation in a timely manner. What should have happened is this; After a fraudulent check turns up, you speak with the accounts manager,"
I did speak with the manager.
"confirming the fraud, and contact the police to file a report."
I did, but the police can't force the bank to do anything. that is why I am seeking a lawyer.
"At that point, the bank would likely freeze the account, but your overall credit rating would not be affected."
At that point they not only froze it, they killed it. Then my credit rating was affected, and now no bank will take me, because only says that there is fraud associated to a situation in my name. It doesn't state in the records that I was the victim.
2006-09-06 17:07:38 · update #3
It sounds to me like you failed to follow up on this situation in a timely manner. What should have happened is this; After a fraudulent check turns up, you speak with the accounts manager, confirming the fraud, and contact the police to file a report. At that point, the bank would likely freeze the account, but your overall credit rating would not be affected.
It sounds as if you failed to follow up on the situation in a timely manner. This tells me that one of two things are happening; either you are not in good standing with law enforcement, or the person who tried to purchase the car with a fake check was you.
2006-09-06 16:58:21 · answer #1 · answered by Jim T 6 · 0⤊ 0⤋
Contact the agency who regulates banks in your state. They may be able to mediate a solution.
Once a solution is reached, you (or the bank) can remove the fraud statement from your credit report.
You can explain what happened to each of your credit cards and they may forgive the interest and late fees. If not, close out the account and pay off the balance.
You initiated the whole thing by accepting a questionable check for the purchase of your car. I think you bear some of the responsibility and only an ambulance chasing lawyer with a taste for banks would take your case at this point.
2006-09-06 17:42:13 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Do NOT LISTEN to idiots who tell you that you do not have a case! You might very well have a case--the bank cannot victimize you merely because you were the victim of fraud. BUT you do need a lwayer. Go to your local Legal Services office or whatever free legal services your town or county or nearby county has for the poor --BTW, poor is NOT defined as federal poverty guidelines--you might be poor even if you have a job and a car and an apartment etc--check it out. If they won't or can't help you start calling lawyers in the yellow pages until you get somebody to listen. The bank cannot call you a criminal and tell all the other banks that you are a criminal (that's what they did when they reported you to Check Systems, Equifax, Trans Union, etc.) just because you happened to be a victim of a crime. If you do not get help this way, you need to ask the question here again. Somebody will show you how to obntain copies of the law, and copies of your credit report and checck systems report, which you can get for FREE if you tell them you think you are the victim of fraud.
2006-09-07 09:39:42 · answer #3 · answered by Anonymous · 0⤊ 0⤋
I have delt with WAMU in this way.
Another bank won't open you an account because it says your currently under fraud? if thats so, then you need to march into the WAMU bank your dealing with and talk to the Bank Manager, Don't take No for an Answer, and demand you want everything fixed, they should be able to open you a new account while still having the old one under investigation. There shouldnt be ANY reason they cannot do that, then after everything is fixed you will have to have the bank call up the 3 major credit beaurus and fix your credit report to take off all the negative marks they caused.
hope I helped, if not, sorry.
Good Luck
2006-09-06 18:11:50 · answer #4 · answered by tahj. 2 · 1⤊ 0⤋
Ok, you deposited a faked check.
So when it did not go though, if you had taken any money out of that account you had to pay the bank back for the bad check.
If you did not have the money to pay them back ( money you took from the bank when you took the check, then you can be in legal trouble, since the bank gave you the credit for the check and now you have to pay them back for the money they gave you.
You can go agaisnt the person who wrote you the check.
This was not from a company out of Nevada who called you after you ran a add in your local paper was it ???
It sounds like they followed bank policy to the T, I doubt you have a case, ( sorry)
2006-09-06 16:53:42 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Haven't you discussed this with the branch manager where the check was cashed? I suggest you make an appointment and then present your evidence. You certainly don't see too concerned that someone gave you a bad check and took the car...why aren't you filing charges against the person who gave you the check and call the cops about the car being paid for by a bad check?
2006-09-06 16:55:49 · answer #6 · answered by MadforMAC 7 · 0⤊ 0⤋
attorney referral service in your phone book
2006-09-06 17:01:29 · answer #7 · answered by Anonymous · 0⤊ 0⤋
i dont think you have a case either.
2006-09-06 16:56:02 · answer #8 · answered by happybunnyjg 2 · 0⤊ 0⤋