Summary
Banks must provide reasons for suspecting fraud, but they can hold checks longer under certain circumstances. If denied documentation, seek legal counsel or file a complaint with the Consumer Financial Protection Bureau or your states banking regulator. If you suspect tampering, document interactions, contact customer service, and consider reporting to law enforcement.Full Conversation
The bank believes i deposited a fraud check am i allowed documentation on why they believe it to be fake? I know its real because it is from workmans comp case
Hi ****, you have the right to request documentation or reasons for their decision. However, the bank's policies may differ. Can you confirm your location so I can provide more specific information?
Bank of america
Hi ****, as you're dealing with Bank of America, they are a nationwide bank and their policies would be the same across the U.S. You can contact their customer service at * (*) *-* and request for the documentation or reasons for their decision.
Can they deny me proof of suspect fraud
In general, banks have the right to protect their confidential information. However, you can formally request a reason for their decision. If they refuse, you may need legal assistance. Please note this is general advice and specific laws may vary by location.
Is it legal for the bank to hold a check for more then a month? My account is closed with nothing pending can they hold my check indefinitely?
Hello ****, under the US federal law, banks are generally required to make funds available from deposited checks within a few days. However, they can hold checks longer under certain circumstances, including suspicion of fraud. It's recommended to consult a professional for specific advice.
What if they refuse to give me documentation or reason of fraud suspicion
If the bank refuses to provide documentation or a reason, you might want to consider getting legal assistance. You can also file a complaint with the Consumer Financial Protection Bureau or your state's banking regulator. Please note that specific regulations may vary by state.
Ok
Hello ****,
If the bank refuses to provide the requested information, you can:
*. Seek legal counsel for further guidance.
*. File a complaint with the Consumer Financial Protection Bureau.
*. Contact your state's banking regulator.
Please note, laws may vary by state.
What if the bank tampered the check
Hi ****, if you suspect the bank tampered with your check, you can:
*. Document all interactions and suspected changes.
*. Contact the bank's customer service.
*. Consider reporting the issue to the law enforcement or a legal professional.
Please note, these steps depend on your local laws.
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