Bank Keeps Saying Credit Card Laws but not Credit Card

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Gaited-Gurl
 
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Bank Keeps Saying Credit Card Laws but not Credit Card

Postby Gaited-Gurl » Fri Mar 14, 2014 1:56 pm

I got a bunch of charges on my BANK account. They got the routing and account number. The bank keeps saying they can't help because it is past 60 days for a credit card. This is not a credit card....they got my routing numbers. Wouldn't this be an unauthorized charge? As stated in this article...which is about credit cards...but don't know where else to find info. They have over $1000 of my money. HELP


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djrez4
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Postby djrez4 » Fri Mar 14, 2014 4:49 pm

http://www.helpwithmybank.gov/get-answers/bank-accounts/forgery-and-fraud/faq-banking-fraud-03.html

You are responsible for reviewing your periodic statement. If there was only one forged transaction, you generally have up to one year after the statement date to notify the bank. But if there were multiple forged transactions from the same person, you generally have 30 days from the statement date to find the error and inform the bank. (Please note: the time period for this prompt notification may vary by bank and State.)

Your Deposit Account Agreement specifies your bank's specific time requirement. Take a look at that agreement and contact the bank directly regarding any alleged error.
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MemberSince99
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Postby MemberSince99 » Fri Mar 14, 2014 6:08 pm

Yep you have to babysit every account you have - credit card or otherwise. That's why I close cards I will never use again. To me it's not worth having to babysit with the risk of fraud. When the FICO garden cult morons spew out that "there's no harm in leaving it lay around" line, I'd love to just beat them. Hell yes there is potential harm, someone could commit fraud either electronically or take the card and physically use it. (Believe it or not it's happened if the stories can be trusted).


So it sucks but you might be out from what that says. Hard lesson in watching your account.

Gaited-Gurl
 
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Postby Gaited-Gurl » Fri Mar 14, 2014 8:07 pm

Thank you :mad:

MemberSince99
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Postby MemberSince99 » Sun Mar 16, 2014 7:59 am

Yeah I'm sorry it sucks. Unfortunately you have to babysit your accounts if you don't want the potential of getting stung.

DoingHomework
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Postby DoingHomework » Wed Mar 26, 2014 3:03 am

Wait a minute. Fraud is fraud. Yes, there are time limits for discovering it but you should be talking to a lawyer. The criminals cant do that to you and the bank cant just push it on you

whit
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Postby whit » Wed Mar 26, 2014 9:27 am

^the op says it's past sixty days

that sounds about right for time you have to file

I don't think it has anything to do with it being a "credit card"

but read your agreement with the bank on how long you have with incidents like this

banks have a duty just as you



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