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FRANKZ143 · Aug 30, 2010, 04:59 PM

So I am one of those fools that fell for an online scam. That was my fault. But I do not believe my bank did not protect me in any way from keeping this from happening. In fact I think they enabled it. So after I received the "fraud" check in the mail I took it to my bank thinking they could verify if any one can that the check was valid or not. The teller asked how I wanted my bills and handed over the money. A week later I got to take out $50 of my own money not associated in any way with this check and the teller told me that a check had bounced on my account, and that I had a owed amount of $2800 (amount of the check). I asked why was there not verification preformed on the check before the teller just handed over the money? The manager stated that it is often a courtesy for good customers not to verify funds and give the customer the cash. So for being a good customer I get a lack of protection? I would assume that all bank tellers are trained to know when a check is suspicious. Also I know with my other bank, it doesn't matter what type of check it is, even a check from my employer, they put a hold on it for my security and to verify funds. I feel like this bank allowed me to screw myself by not protecting me in an area they are trained to protect me in? Does anyone know how I deal with this issue since the bank closed my account, expects me to pay the full amount back, and ruined my credit so that I cannot open an account anywhere in the us for the next ten years! I didn't get any of the money, filed a police report and tried to resolve the issue with their check fraud agency. Who was very rude as if I had made this check and done this myself. Can I sue my bank for not protecting me? Or for being a good customer and receiving proper security from my bank?

FRANKZ143 · Aug 30, 2010, 05:07 PM

A couple sentences don't make sense. Sorry but I hope you understand what I mean.

DownUnder · Aug 30, 2010, 05:49 PM

Ok first of all I know you think the bank is to blame BUT you are the one that fell for the scam. It seems to me you are trying to blame the bank instead of yourself. Look we all make mistakes. Consider this a lesson learned. You will have to pay the money back or the bank may very well file charges against you. So your best bet is to pay what you owe the bank and move on and no I don't think you can sue the bank over YOUR mistake. These scams have been around and you should have known better.

Fr_Chuck · Aug 30, 2010, 05:51 PM

Sorry you have no idea how this works do you,

In fact the bank will be suing you if you don't repay the money ( if your account goes into the minus) In fact they are even known to press criminal charges against you as being part of the fraud. *** and it does work, and people are in jail today for merely cashing those checks and not paying the bank back.

So no you can not sue the bank.

excon · Aug 30, 2010, 05:54 PM

Hello f:

You sue them in small claims court. But, you ain't going to win. The tellers aren't there to protect you. Who ever told you that. They're there to take in and give back money. They don't know what a suspicious check looks like. If it looks suspicious, the counterfeiter didn't do a good job.

excon