- Platinum Member
- Posts: 53
- Joined: Sun Mar 03, 2013 2:46 pm
- Location: Nebraska
Is there a way to retract a check deposit made via mobile? I've kind of been sitting on this account with Bank of America and $2 in it because I thought it would be easier to make deposits via mobile but I just couldn't get it to work. I tried using an account with another bank, tried writing checks to myself, but I just couldn't get it to work.
I take full responsibility because I was negligent, I gave a couple friends my user name and password, I didn't think it would hurt anything because I only have $2 in the account. They were only supposed to try to deposit a $25 check I wrote to myself. We tried with my phone, an iPod, a tablet and at least one other phone.
While all this was happening I somehow became the victim of some sort of check overpayment scam. I was sent a check for $2,850 instead of the $28.50 check I was supposed to get, the check was from something like ES & T then it had the company address. It came in a USPS Express Mail envelope with a fake return address which was different than the company address. When I contacted the person who was supposed to send the check, they said it was an accidental overpayment, I should just cash the check and return the overpayment via Western Union. I promptly cancelled the sale and told the buyer "no deal".
I had to leave for a bit while my friends were working on making a mobile deposit. Somehow they got it to work, then the found the $2,850 check I left laying on my desk and were going to do me a favor and deposit that as well. I didn't realize what happened until later when I discovered the $2,850 had been deposited to my account. They said the check was already endorsed so they thought I intended to deposit it, but I don't know why I would have just endorsed a check and left it lay on my desk. I was going to turn it over to the local Post Office for inspectors, that's why I didn't shred it like I should have.
I discovered there is no BofA in this state and the nearest location is at least 1,000 miles from here, but my friends kept saying everything is done online anyhow. Most employers now direct deposit paychecks so there is never a need to run to the bank. Also, I have an account at a local bank and this was just supposed to be a second account.
I only give this a few more days before BofA returns the check NSF and I would like to be able to retract the deposit before that happens. What are the chances anyone would believe the check was deposited by accident?