Hi everyone, I recently, seemingly, had a replacement debit card stolen from my mail, activated, and somehow used to make two withdrawals from 2 accounts at two seperate branches totaling $3500 ( one business and one personal, $1700 and $1800)
I noticed my two debits were expired and my mailing address was never updated since we bought a new house in 2024. I proceeded to change my mailing address in my banks app and requested new cards. One card arrived promptly but a second card did not. I looked at my balances today and noticed that yesterday there were the 2 withdrawals on my accounts USING THE SAME DEBIT CARD. I don’t know how that is even possible.
I called the bank right away, they froze and closed everything and advised to go in branch tomorrow in person to open new accounts + file an affidavit and start the fraud process. The customer service rep said that the card used was mailed a little over a week ago (meaning it was mailed to the correct address), activated 2 days ago, and then used yesterday to make the two withdrawals. I do not have more info than that right now as I am waiting till banks open to go in person (unsure if it was teller or ATM, PIN code used or not, how they activated it etc- will be getting more details in branch hopefully). How could that even happen? How likely am I to see that money returned to me?

Especially because half the time you’re already annoyed when calling😭

Hi--I need some help. The son of a friend of mine called me for advice and assistance but I'm not sure if there are any banking regulations that would apply here.

The shortest version of the facts: the guy gets a call from someone posing as an FBI agent investigating fraud in his Chase Bank account. The person knew his account info and how much money he had in the account. He then sends him a very official looking email with additional information, convincing the guy that he is who he says he is.

He then convinces my guy to go to his Chase bank branch, get cashier's check for a mid-5-figure amount, made payable to a "Malik Ponds" and deposit it at another Chase branch. They tell him this is his "alias" name for an account, and they're going to use it to monitor the fraud. This all happened on 6/18. The following day was Juneteenth. By June 22, my guy realizes something is wrong and goes to Chase and tries to stop the transaction from going through.

Important--the receipt from the cashier's check contains a delayed deposit availability statement, stating the funds will be available on 6/23.

So he goes to Chase on 6/22 and raises the red flag. He's told they will look into it. Days later they tell him the funds were withdrawn and they can't help him.

So the question now is--does Chase have some obligation to not allow the transfer of the funds before the 6/23 availability date? Is there a regulation that would govern this? My assumption is that because they were both Chase branches, the funds obviously cleared faster, but because of the large amount should they have continued to hold the funds until 6/23?

This guy isn't rich. He's a hardworking, blue collar guy that saved his money. He just got tricked.

Any advice is appreciated.

Chime in

Hi, so the other day I tried to add my card info to my moms phone to purchase an app for her but she switched banks and is waiting for her new card numbers. but she forgot to mention that she since she canceled her old card, she owed apple money for previous subscriptions so my card ended up getting charged 3 times (her previous subscription and the app in total which was ($27.97). On her phone it said it declined all three times, but on my bank of america app, it shows that they took out the money. A total of $83.91. I thought the bank would give me my money back since the transactions all said "pending" but I checked today and all 3 transactions are gone from my account as if I never had it but yet I am still missing money. I called my bank and they said since my card declined they removed the transactions completely. But I'm still short the $83 bucks. I have screenshots of when my account was charged those days. When this happened two days ago I stopped using my card completely. So I haven't made any new purchases but when I check and add everything up I'm missing exactly 83.91 which is the total times 3. Helppppp 😐😐😐😭😭😭

Pls don't judge I'm a student

Current balance $262.07

Balance before the three transactions $398.55

Balance after those three transactions $314.64

Spent $52.57 afterwards for my phone bill

Now I'm currently at $262.07

If those three transactions would have declined then I should have $345.98 total which I don't. I'm short those $83.91 (27.97x3)

Literally every time i change my card information on an app this 70$ charge keeps coming back even though i cancelled that order, i ordered off an old card this shit is pissing me the fuck off

I recently sold my laptop for 700$ USD.
The guy gave me 5 hundreds with blue strips and 2 of the older hundred. We meet at the police station. I just rubbed my thumb on the shoulders and felt the texture and held them up against light for the face on the right. One of the older bills (no blue strip) felt off but I deposited all the bills into bank ATM. The Atm accepted all the bills if the ATM accepted all the bills am I good ? I deposited it Monday night at an ATM after hours at the my local credit union branch. If I don’t hear anything from bank after like 2 weeks I should be good right. Maybe Im overthinking it.

... will it begin processing Saturday or wait until Monday?

After all the time here and reading and managing so many threads, I should probably know this.

I'm trying to clear and close an account. Interest will post after the close of business Friday so I won't know the total balance to push out until late Friday or early Saturday. It's only a couple hundred dollars at 3% so a day or two won't really make any difference, but I'd hate to leave an account with only a few cents.

Assuming theres no ill intent, conflict of interest, etc. occuring after the fact. I've heard some bank tellers say its ok, and some saying its unprofessional. Some people just give off real friend vibes despite it being a professional workplace.

Or are Bank Tellers cursed to never make friends with people that bank with them?

Hi, looking for a bit of advice here while the merchant hasn't responded. Somewhere around last month (25th June) I tried to make an online payment with my debit card to a merchant (private counselling firm), but the payment said failed at the checkout. However the amount I needed to pay was already deducted from my bank account. I checked my account history and there was no proof of transaction that happened while the amount was already deducted. I called the bank and they told me the reason it happened was that the money got put in 'floating' status and went nowhere, and that I have to check it regularly for 14 business days.

2 weeks ago I asked the bank again if the amount was transferred already, and they told me it's still in 'floating' status, and that it's just 8 business days. They told me to call the merchant if I wanted it faster, but chose to wait it out instead.

Yesterday I called the bank and they claimed the floating amount was claimed by said merchant after 14 business days, but like I said it was a failed transaction and there was no appointment booked. I also checked my account history and there was no proof of the transaction to show that the payment went through. I asked the merchant to see if I could claim the money back, but it's been 21 hours and they haven't reached me. In case they're asking for proof, how can I prove that my money got claimed and that it's from a failed transaction, even though there's no transaction history? There was at least a record of floating amounts claimed by the bank, but that's from the bank side when I called.

Sorry for the long typing. Previously, my money got stuck as 'floating' status a few times but most of the time it just bounced back into my account after a couple of days, but this is the first time it got stuck for 14 days and claimed by the merchant.