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Originally Posted by BonBon  I'm so confused. I just found out about this and I'm trying to think everything through. My main focus is getting the money put back in to my account. Everything else can wait until then, and hopefully it's something the bank will have to deal with instead of me.
I would have closed my account immediately, but I have so many auto transactions scheduled for next week (it's the first of the month). I definitely wanted to talk to someone in my payroll department before I did anything. They just called me and payroll has already been processed, so I have to leave the account open until my direct deposit comes in on Tuesday otherwise it could take up to 2 weeks for payroll to re-process it and send it again. I can't be that long without my paycheck. |
I'd go with whatever terms they set for a direct deposit advance to get this monkey off your back. Once you have your bills covered and not facing additional NSF charges... and once this is cleared up, THEN protest the fees they charge you for using your 'own' money.
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Originally Posted by Rhetts_mama You need to file a police report. |
There definitely needs to be a report, but it is going to be a huge jurisdictional nightmare. Depends on how her pd plays it. The problem is where is the jurisdiction of the crime? That is the only PD that will handle, Is it location of the bank's home office? Will it be the location that the funds went? Will it be your location? Your location, okay, easy. But the wheels of police investigation move slow and unless your local detective has the power to contact and make the bank change whatever f**ked up rules they call policy it won't help you immediately, and certainly not before 90days runs its course. File the report with the police, contact the AG for your state, they do handle these kinds of things and might pull strings faster than your local dick. I've seen some of these worked and it takes us months sometimes to trace down where the fraudulently ordered 'gifts' even went. Then backtrack from there. Someone using ACH info and calling themselves a company, doesn't mean it isn't Joe Schlmo in his basement collecting merchandise. I'll shut up. File the police rpt and call the state's attorney general.