Unauthorized Check Cashing Resolution

Summary

If an unendorsed check is cashed without authorization, contact your bank to dispute the transaction. Reference the Electronic Funds Transfer Act (EFTA) in your complaint and request an investigation. If unresolved, consider escalating to the Consumer Financial Protection Bureau. You can also mention potential legal action to emphasize urgency. Keep records of all communications and set a specific timeframe for resolution.

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I have a banking issue and need to know the best way to address it
To better assist you, could you please provide more details about the banking issue you're facing? This will help in providing relevant information or guidance.
I wrote a check but did not endorse it. The person that got the check was contacted by their bank the check was not deposited and was sent a letter and a legal copy of the check. They contacted me and said they would send back the check after they receive it back from their bank. I wrote them a second check and it was deposited. What I was sent from this person sent me was a letter from their back why the check was not deposited and a legal copy of the check, not the original check. They said that is what the back sent them. A mount later, the unendorsed check was deposited and the funds removed from my bank. The person said they did not see two deposits and do not know what happened. I called my back and they said a legal copy of the check was processed. How do I get my back to find who and how this unendorsed check was cashed and is any of the banks liable?
That's quite a situation! Here's what you can do:
- Contact your bank immediately to dispute the unauthorized withdrawal.
- Request a copy of the legal check image from your bank for investigation.
- Ask your bank about their fraud investigation process and what steps they will take.
- Consider reporting the issue to the Consumer Financial Protection Bureau if unresolved.
Did you want to explore legal assistance or need more specific advice?
How can I pressure my bank to follow up? Can I message them and add some legal reference or case law etc so it gets their attention?
Case Rating: *
To effectively pressure your bank, consider the following steps:
- Send a written complaint outlining the issue, referencing your rights under the Electronic Funds Transfer Act (EFTA).
- Mention potential escalation to the Consumer Financial Protection Bureau.
- Follow up regularly and keep detailed records of all communications.
Would you like more specific guidance on crafting your message?
yes
Case Rating: *
For crafting a compelling message to your bank, consider including:
- A clear timeline of events.
- Specific details from the Electronic Funds Transfer Act (EFTA) related to unauthorized transactions.
- Your expectation for resolution.
- Mention of possible escalation to the Consumer Financial Protection Bureau if unresolved.
Keep your tone professional, concise, and assertive.
Can you do a sample draft
Certainly! Here's a sample draft for your message to the bank:
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Subject: Urgent: Unauthorized Transaction Dispute and Request for Resolution
Dear [Bank's Customer Service],
I am writing to address a concerning issue regarding an unauthorized transaction from my account. Below is a clear timeline of events:
*. On [Date], I issued a check for [Amount] to [Recipient's Name] but did not endorse it.
*. [Recipient] informed me that their bank returned the check and provided a letter and legal copy, not the original.
*. Subsequently, I issued a second check, which was deposited successfully.
*. A month later, the unendorsed check was unexpectedly deposited, and funds were removed from my account.
I have learned from your representative that a legal copy of the check was processed, causing this unauthorized transaction.
Under the Electronic Funds Transfer Act (EFTA), I am entitled to protection against unauthorized transactions. I request an investigation into this matter, including how the unendorsed check was processed, and I ask for a resolution within [reasonable time frame].
If this issue remains unresolved, I will consider escalating the matter to the Consumer Financial Protection Bureau.
Thank you for your prompt attention to this matter. I look forward to your swift response.
Sincerely,
[Your Name]
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Feel free to modify this template to better suit your situation!
That looks good. Can turn up the heat on it
Case Rating: *
To add more urgency to your message, you might include:
- A specific deadline for response.
- Reference potential legal action if unresolved.
- Mention how this situation affects your trust in their services.
Would you like help with any specific legal references to include?
Please draft this new hotter one
Case Rating: *
Sure, here's a revised and more assertive draft:
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Subject: Immediate Action Required: Unauthorized Transaction Dispute
Dear [Bank's Customer Service],
I am writing to demand immediate attention to an unauthorized transaction from my account. Here is a precise timeline:
*. On [Date], an unendorsed check for [Amount] was issued to [Recipient's Name].
*. [Recipient] received a letter and a legal copy, not the original check, from their bank.
*. I issued a second check, which was deposited successfully.
*. A month later, the unendorsed check was deposited, withdrawing funds without authorization.
This transaction violates my rights under the Electronic Funds Transfer Act (EFTA). I insist on an investigation into how the unendorsed check was processed and a resolution within [specific timeframe].
Failure to resolve this matter will result in escalating the issue to the Consumer Financial Protection Bureau and potentially pursuing legal action. This situation severely affects my trust in your services.
I expect your swift response.
Sincerely,
[Your Name]
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Feel free to adjust details to better reflect your case!