26 posts shown.
Lawrence Cruz said:You aren't paying them anything. That money belongs to the woman—she’s the one who has to cover it out of her own pocket. A bank isn't going to absorb the costs caused by its own employees' mistakes.
The bank isn't going to sue you because you don't owe them anything. But that woman? She can absolutely sue you. No matter how you spin it, that money wasn't yours—it ended up in your account by mistake. Taking something that isn't yours without consent—regardless of how it happens—is theft. The law is pretty black and white on that.
So, go ahead—take a garnishment and a lawsuit on top of everything else.
🤷
Look, sorry, but I haven't stolen a single thing from anyone. I could’ve been in another state—hell, even out of the country—without checking my balance once, right? And then I come back after a while only to find myself facing some ridiculous lawsuit for "theft" when I didn't even do anything wrong? Seriously, wtf... our legal system is just working perfectly, isn't it?
And who exactly is footing the bill for my travel costs or that famous trek all the way to the Bank of America branch? Just to be clear, I don't have a car—I'm stuck relying on the city bus. On top of that, this woman—who is supposedly my personal banker, by the way—calls me up acting like she’s giving orders, demanding I show up at the branch immediately as if I don't have a life or a job. Honestly, the sheer rudeness and arrogance is just getting out of hand.
Look, I don't think you guys are getting where I'm coming from—there’s an active garnishment sitting on my account right now, and since I'm currently out of work and don't have a steady paycheck coming in, I simply don't have the cash to cover it. Then, out of nowhere, this happens and it somehow covers the garnishment, leaving me with $500 in allowed funds... but now I’m expected to just magically cough up another $500 to pay back the bank? I literally have nothing, you know?
It feels to me like when I went down to the teller window and paid $17 to get out of that unauthorized overdraft, she clearly botched the entry or something. She messed up the bookkeeping.
So, even though this isn't my fault and I've been backed into a corner by their mistake, if I don't pay them back, I'm looking at criminal charges? Seriously? That's just great.
Another thing regarding this whole mess—hypothetically, let's say I hadn't checked on that payment, and in the meantime, someone had stolen my card and drained my account at an ATM (just playing devil's advocate here), who would be held responsible for their sheer incompetence? Me, again?
If that's really how things work—if I'm supposed to suffer because of their lack of professionalism and that typical "not my problem" attitude—then honestly, I lose all motivation to pay a single cent. It would just be a lesson for them to actually learn how to do their jobs properly, especially after how many times I've already been burned by them.
Raymond Clark7 said:hold up - did you actually walk up to the teller with 3000 or was it 1500??
if you handed over $500 - do you seriously think she’s responsible for your financial mess and should be the one to settle your debt???
just because you're strapped for cash doesn't give you a free pass to steal—and let's be real, whether it's an accident or not, it's still theft, and she doesn't owe you a dime, right? it's not like she's the reason you're overdrawn or why your life is spiraling; you did that to yourself! she's just working for $1667 and honestly, if she loses a third of her paycheck because of this, that might be what covers her utilities, rent, or even groceries for five kids!
now, if you actually brought 3000 to the window, then I really don't see what the big deal is.
I went to the teller and paid $17 to clear my overdraft, but apparently—and I'm assuming it was her, since I got a call from JP Morgan Chase—she accidentally processed someone else's funds $1000 on that same day. Now I'm sitting here facing an overdraft of $500 that was "fixed" by her mistake, leaving me with only $500 in my account, and now I'm being told I have to pay back $500 because of a mistake that wasn't even mine.
Bradley Wilson5 said:Look, I don't think this is on you. I had a situation where they processed my transaction in the wrong currency entirely, and when I pointed it out, the clerk basically implied it was my "goodwill" if I wanted to help them fix it, otherwise... well, she wasn't being polite.
If that's how they're treating you, just walk away. That's my take. They have absolutely no right to mock your situation.
You did your part by paying the money. Whatever mess they made is their problem. Personally, I wouldn't have let them get away with it. So what if they shut down your American Express? Once you land a job, just head over to a different bank and start fresh there.
Which bank was it and where? Give us the details so we know who to avoid.
Citibank—I've had nothing but bad experiences with them, especially their staff. They are incredibly arrogant, totally incompetent, and their personal bankers are useless.
So, can I just play dumb and start ignoring their calls? Do they even have any legal leg to stand on to sue me?
Am I legally obligated to pay this back, and does the bank actually have the right to shut down my account?
Let’s just say I’m currently the victim of some seriously amateurish business from a bank teller who—honestly—I have nothing but bad things to say about.
I’ve got a garnishment sitting on my checking account for $500, but since I’m unemployed and already deep in the red, both the garnishment and my overdraft limit are basically frozen until my next deposit hits.
What happened next was anything but fair. The teller I dealt with at the window—the one who was being incredibly condescending and arrogant just because she could see my financial situation is a mess—made a massive, fatal blunder while I was trying to pay down my balance.
She incorrectly processed an amount of $1000 to my account, which technically cleared my negative balance, but then the whole thing backfired: the automated garnishment triggered and sucked out $500—and it wasn't even my fault! Right now, my available balance shows as $500, but that money isn't actually mine; it’s just a mistake sitting in my account.
Now, this same person calls me today, acting all high and mighty, telling me I need to drag myself down to the branch in 12 miles within twenty minutes to sign some paperwork that gives them permission to take back the funds they mismanaged. Okay, I get what they want, but here’s the kicker: I don't have enough cash left in the account because the garnishment wiped me out due to *their* error.
So, what’s the move here? What are my chances if I don't show up and sign this thing? Getting to the bank is a massive luxury right now—something I absolutely cannot afford given my current state.$500Can I just stall?
What can the bank actually do to me if I refuse to sign? This is clearly their screw-up, not mine. Since my American Express is linked to the account, can they shut that down if I don't sign their little document? And can they just forcibly pull money from my account?
Because if they do, I am truly screwed—if the bank pulls more money, I’ll end up $1,500 in an unauthorized overdraft...
Has anyone ever dealt with something like this? What are my actual rights when this happens entirely through "no fault of my own," especially since I had zero clue what was happening in the moment?
Thanks
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