LtDansLegs wrote: TheNewSaint wrote:
AndrewDelRey wrote:I found out that my sister withdrew exactly $3,000 from the accounts and turned it into cash by depositing it into her USBank account.
When i was a victim of check fraud with USBank, they weren't too interested in going after the perpetrator (a meth head in my apartment building). So if $3,000 is the grand total, your family might be able to raise that money to settle up, and mitigate the outcomes.
The largest difference here being that the accountholder IS the perpetrator/fraudster.
And, US Bank is the victim. They never got the money from the Bureau of Public Debt, yet they released funds from that deposit to her and allowed her to withdraw cash. So, US Bank is out $3,000 of THEIR money.
They don't get too upset when it is YOUR money that is ripped off. Banks aren't always very helpful.
Years ago, the super at my apartment building got ripped off by a car repair shop. He wrote a check for $50 (this was in 1972, when you could actually get something done to you car for that amount). Someone at the shop added a 1 in front of the 50 in the number portion of the check. However, he wasn't able to change the text portion, where it said "Fifty and 00/100 Dollars". The low-life even used a different color ink.
The bank paid $150. When my super asked the bank, they claimed it was not their problem and he should return to the auto shop. The auto shop, at first denied everything, but he was able to prove that the bank had credited their account with $150, instead of $50. Then, they wanted to give it to him as a shop credit, to go toward his next repair.
I was always taught that the text portion of the check is the binding part, not the numerical part. I think that, at best, the bank paid an improperly drawn check. At worst, they paid the wrong amount.