I was wrongfully accused of fraud?

Question

A year ago I tried to cash a check in my name at my husbands bank. He had signed it and filled it out. The teller refused the check and then put a fraud alert out on my name without any knowledge to me. A week later I tried to cash another check at the same bank which this time was from my mother. Then I was denied only to find out after a phone call that a fraud alert was put on my name. My husbands account was froze without any notification and we were charged tons of fees from returned checks. After several calls I was told that the fraud alert was removed but never given an apology. Now over a year later I tried to cash another check from my husband and was told they wouldnt because of the "FRAUD ALERT" . Im totally pist and very upset!!! How can they get a way with this and do I have a right to sue for this when they have no reason for the fraud alert

we didnt have to pay the bank any fees just the people whose checks and debits were returned which was somewhere in three hundred dollar range. he went to the bank and supposedly they straightened everything out and my mother did the same. its just ridiculos they had no problem cashing checks my hubby had deposited into his account that had my name on them

no nothing was left out they froze my husbands account and the checks he wrote for our bills were returned because his account was froze because they thought i tried to cash a check that he didnt sign which wasnt true

Answer 1

If you were "charged tons of fees from returned checks" there must have been checks written without funds to cover them, which is a legitimate reason to freeze an account and refuse to cash checks.

Were there returned checks, or not? If there were, what would you sue them for? If there weren't, why didn't you just straighten it out and get the fees back if it was a bank error?

You're leaving something out here.

Answer 2

I would most certainly seek out an attorney who specializes in these cases. Be certain you get copies of everything from the bank from the very first time they put a 'fraud alert' on you. If the bank refuses, then take your case to the prosecutor's office, victim advocate unit and tell them what happend and that you want to file charges against the banking institution.

What did your husband have to say about this and why did he not stick up for you at the bank?

Answer 3

We went through something similiar with Bank of America. I raised heck with the corporate office and made them reimberse all the returned check fees.As long as the signature of the check matched your husband's normal signature cashing a check in your name shouldn't have been a problem.

Answer 4

Those banks sure know how to make easy money huh? How do they sleep at night? Quite comfortable I'm sure!