I live in ohio. In 2004 a woman I knew wrote me 2 checks for $1500 each. I went to the bank and deposited those checks. I then waited for the funds to become available in my account. I then walked in the bank in person and withdrew the funds from my account. I later received a notice that my account was overdrawn by $3000.00 of which I could not pay back. I had not heard anything about this debt in a long time and now a collector is calling me trying to collect. They are telling me the debt is now over $8k. On the phone I acknowledged receiving the money but not the debt. I feel that it was the banks error and that I do not owe the money and they should be going after the person who wrote the checks in the first place since they are the ones that committed fraud. Could you please advise me. My girlfriend and myself both used to work at a bank, after this occurrence, and both of our understanding is that this is a bank error. I didn't write a check against the funds or anything. They handed me the cash at the teller line. How could I have known that the checks didn't clear? I would understand if I deposited the checks and then wrote checks against that money assuming it would be in the account. I would then owe the money I wrote the check for but I don't see how I am any part of the transaction other than the receiver of the funds.