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Fraud & Forgery.

Fraud & Forgery. Some old checks of mine where stolen/found and someone wrote two $800.00 checks on my account to two differrent people two days in a row. They not only used checks that I had no idea still exiisted, as they were in my maiden name,they also signed my maiden name on the signature line on the front of the checks,but endoressed the checks with my maiden name. Bank of America reimberessed me the 1st $800.00 as I caught the fraud,they didn"t. They did not honor the 2nd check and put a 888 hold on my account. I got my fraud kit and now Bank of America will not tell me where the checks were deposited sonthat I can file a police report. The police will not take my report without this information. Bank Of America did tell me that the checks were deposited into a Bank Of America ATM. I need the location to move forward and determine jurisdiction for the police. I am stuck. Help!
shorty asked this question 2 years ago
  • fraud expert

    Fraud claim/Deposit account expert

    If you filed a fraud claim with the bank then they will handle it, they will look at videos to make sure it was not you that did the fraud, and then pay the claim. because it is not over 5000 they will not prosecute. When you filled the claim the person taking a claim should of put a block on all check numbers on old checks so they can't be cashed and they should of recommended that you open a new account. they can't give out info of where and whose account checks were deposited into because sounds like person is a bank of america customer and info cannot be given out because of privacy policy, but that persons account will be closed and they will be put into the chex system so that they will not be able to open an account somewhere else if new bank checks the system

    2 comments

    1 other expert is backing this answer

    • S

      shorty

      Do you think a lawyer could help me? I need to know if the person or persons live in my home with me and if I need to move and or get a divorce?
    • fraud expert

      Sorry this happened to you. Only alternative I can think of is if you knew old checks were in household then that gives you the jurisdiction location to file a police report that a robbery took place, and then they can contact bank to get footage, and person on tape could be charged with theft, and forging checks. But you would not receive a monetary award, since bank paid monies back to you. It would be up to the state to decide if they want to prosecute on the criminal charges.
  • Bankbuster

    Nix on investments but everything else is fair game!

    As I understand it, Kathy, the original loss was reimbursed to your account by the bank and the second attempted loss was prevented. As this is the case, you have no loss; the bank does. You also have no grounds to file a police report; your damages have either been reversed or prevented. At this juncture, the only "one" out is Bank of America and it's their responsibility to take any legal action.
    In some respects, this was a fortunate incident for you. The individual who attempted to cash those checks could just as easily have used the routing number and account number on the check to apply for an unlimited number of ACH transactions and you would have encountered headaches as you can't imagine. There is no way to stress how overlooking the destruction of a seemingly innocent document or paper item can create havoc with credit reports, bank account safety and identity theft.
    I know, by now, you've located any other legal or financial documents that might have been hiding out from your maiden name days and destroyed them. It's so important to remember. I'm delighted your experience was discovered and corrected.
    If you have already opened a new account, be sure to contact someone in a banking center to be sure that the pertinent information history of your previous, compromised account is linked to the new account so you don't lose any advantages of a long time relationship with the bank. If you have not yet opened the new account, be sure to advise the associate assisting you that you want to be sure this is done.
    Good luck to you!

    6 comments

    1 other expert is backing this answer

    • Bankbuster

      Sorry about that name error, Shorty -- was thinking one thing and typing another!!
    • S

      shorty

      Ok, Bank Of America is out of it! What about the theft of the checks/forgery and identiy theft? I want something on record,because,I suspect my stepson,who still lives in my house and I don't know what else they got their hands on? This thing could be a lot bigger than those two checks?
    • Bankbuster

      If you suspect it is someone you know, then you would definitely want to follow up on this one. A lawyer can subpoena the information from the bank. The issue with simply turning any information connected with bank fraud to a "citizen" is that the bank would be culpable if you should "take matters into your own hands," so to speak. By following civil law procedures, your attorney can get more detailed information about the transactions.
      I so hope this helps you -- I know it can be difficult not trusting people you live with.
    • S

      shorty

      Thank you,someone finally understands, that is not just about the $800.00. Bank Of America took care of me on the spot as far as returning my funds, stopping anything else from going through that account and opening me a new account pronto! It may end there for them,because it was under $5000.00,but not for me! Of course my husband does not want to entertain the thought that his precious,unemployed,6th grade dropout,20yr 6'2" weed smoking baby would ever do a thing like this without solid proff. My co-workers are even concerned about my physical safety living there,because I was letting them all know I knew and would press charges. This is far from over for me and Bank Of America should have NEVER debited my account from a check that is a abvious fraud with the naked eye.(Damages) someone should be fired for this one. Bankbuster. Look for my story in the news, I will not stop talking until someone listens.
    • S

      shorty

      I wonder sometimes if this idiot knew someone who works @ the bank? He is can not spell hundred(hondred) or dollar(doller) but he is handsome and a smooth talker. The check itself probably smelled of weed or something? These have the be one of the worlds dumbest criminals and messed with the right women this time.
    • Bankbuster

      You take care of yourself, Shorty -- and I wish you the very best!