Joe_Steelo
New Member
I am from Long Beach, CA and I applied for a part-time Bookkeeper job online. The Key Acct supervising me told me I qualified to be a Collector for the Company. I collect payments, deposit the check to my Bank, keep my commission, then send out the rest of the money to an agent.
I deposited my first check ($30,500) to my bank. 2 days later the Bank "cleared" the funds. So, I kept my 25% commission and then wrote the remaining $22,500 check to the agent.
To make things short, the Bank notified me that it was a Fraudulent Check. I told them I didn't know it was. I filed a police report stating I was scammed, but the Bank told me I am still responsible to pay back the money OR find that agent and get the money back.
I had Direct Deposit to my Bank and they took my paycheck to apply it to the missing money without telling me. I told them, while there is an investigation, please release my paycheck while the police, FBI and I find the agent and the money, but they refused.
Well I did my own investigating and I found that agent myself and he CLAIMS he didn't know the whole thing was a scam. I asked him what he did with the money and he said the same Key Acct told him to Western Union $3,500 to Nigeria & $7,000 to Slovenia = total $10,500. And he can't get the money back.
So, the agent returned the remaining $12,000 to my Bank. So, A REMAINING $9,300 IS OUTSTANDING, which the Bank still wants ME to pay back, because it's my Bank Account.
Because of this, I don't have a Bank Account, they took my last paycheck which I need to pay my rent and bills, and they said I still need to pay back the $9,300 which I don't have.
My first question is...I have a video confession of the Agent stating "he was the one who sent out the money", I have copy of receipts with his name and signature sending out the money, and surveillance videos at the bank of him cashing the money to send out. So, if I took this agent to court...isn't he responsible to return the money. Even the police said he is still a suspect because he "physically" cashed the money and sent it out to Nigeria and Slovenia.
My second question is... if the Bank is telling me I'm responsible to pay back the money, BUT...
....everyone is telling me....WHY DID YOUR BANK CLEAR THE FUNDS IN THE FIRST PLACE? Didn't the Bank "Drop the Ball" first, before me???
Isn't the Bank supposed to check first before clearing a $30,500 check to an individual? If the Bank followed protocol and BASIC Bank procedure...this wouldn't of gone this far, so...
....SHOULDN'T THE BANK HAVE TO "BITE" THE REST OF THE MISSING MONEY FOR MAKING THE MISTAKE OF CLEARING THE FUNDS??? They should have some kind of Bank Insurance to cover the missing money.
I would appreciate if someone can give me advice if I have a case against the Bank AND isn't the agent responsible for paying back the money.
And I don't mean making money off of the bank in court...I just want the bank to waive my responsibility for the rest of the missing money.
By the way, I can be evicted from my apartment if I don't get my paycheck back, I have a 2 year old daughter, plus my wife is 2 months pregnant, so I really need my Bank Account back and my bi-weekly paycheck back to pay my bills.
Thanks
I deposited my first check ($30,500) to my bank. 2 days later the Bank "cleared" the funds. So, I kept my 25% commission and then wrote the remaining $22,500 check to the agent.
To make things short, the Bank notified me that it was a Fraudulent Check. I told them I didn't know it was. I filed a police report stating I was scammed, but the Bank told me I am still responsible to pay back the money OR find that agent and get the money back.
I had Direct Deposit to my Bank and they took my paycheck to apply it to the missing money without telling me. I told them, while there is an investigation, please release my paycheck while the police, FBI and I find the agent and the money, but they refused.
Well I did my own investigating and I found that agent myself and he CLAIMS he didn't know the whole thing was a scam. I asked him what he did with the money and he said the same Key Acct told him to Western Union $3,500 to Nigeria & $7,000 to Slovenia = total $10,500. And he can't get the money back.
So, the agent returned the remaining $12,000 to my Bank. So, A REMAINING $9,300 IS OUTSTANDING, which the Bank still wants ME to pay back, because it's my Bank Account.
Because of this, I don't have a Bank Account, they took my last paycheck which I need to pay my rent and bills, and they said I still need to pay back the $9,300 which I don't have.
My first question is...I have a video confession of the Agent stating "he was the one who sent out the money", I have copy of receipts with his name and signature sending out the money, and surveillance videos at the bank of him cashing the money to send out. So, if I took this agent to court...isn't he responsible to return the money. Even the police said he is still a suspect because he "physically" cashed the money and sent it out to Nigeria and Slovenia.
My second question is... if the Bank is telling me I'm responsible to pay back the money, BUT...
....everyone is telling me....WHY DID YOUR BANK CLEAR THE FUNDS IN THE FIRST PLACE? Didn't the Bank "Drop the Ball" first, before me???
Isn't the Bank supposed to check first before clearing a $30,500 check to an individual? If the Bank followed protocol and BASIC Bank procedure...this wouldn't of gone this far, so...
....SHOULDN'T THE BANK HAVE TO "BITE" THE REST OF THE MISSING MONEY FOR MAKING THE MISTAKE OF CLEARING THE FUNDS??? They should have some kind of Bank Insurance to cover the missing money.
I would appreciate if someone can give me advice if I have a case against the Bank AND isn't the agent responsible for paying back the money.
And I don't mean making money off of the bank in court...I just want the bank to waive my responsibility for the rest of the missing money.
By the way, I can be evicted from my apartment if I don't get my paycheck back, I have a 2 year old daughter, plus my wife is 2 months pregnant, so I really need my Bank Account back and my bi-weekly paycheck back to pay my bills.
Thanks