bank deposit gone missing!

[sadie]

we made a deposit to our checking account the week before last -- $1900. then, four or five days later when kevin withdrew some money from the atm, he noticed that the balance recorded was way lower than what it should've been.

we checked the account online; there was no record of the $1900 deposit. we called the 800 number; of course, they had no record either.

luckily, we had the deposit receipt (that kevin had to ASK for at the bank branch), and the error was corrected.

but $1900! that's a ton of money. we're lucky to have caught it before debits posted dipped us into the red, but what if we hadn't been? what if he hadn't asked for a receipt? what if we'd lost it?

the bank branch people said it was due to an error in their technology. maybe it's time to change banks? who's to say this couldn't be replayed with any bank?

it's further proof that no one is looking out for you but you, that all records must be kept and all statements pored through.

i guess this is why old-timers who went through the crash chose to keep their money in buried jars.

[Emu]

I keep all my money in a jar >:

[kahljorn]

You should contact some kind of business raping business. Some asshole probably did it on purpose to keep your money.

[Pub Lover]

A Grand Don't Come For Free. :rolleyes

[Archduke Tips]

Money makes people crazy.

[Black Flag]

he had to ask for a receipt at a bank?

yeah it's probably time to go somewhere else

[ziggytrix]

i've never been to a bank that didn't give a receipt for EVERY transaction

[Supafly345]

It is safe to assume that the reason you don't automatically get a receipt isn't to save paper. "Hey Jimmy, we are a bit low on 'flexible loans,' cause a few more errors."

[sadie]

i reported it to the national office when i called in to check on the situation. they thanked me and said they'd be investigating it immediately. those bank ladies may have it out for me after this!

[AChimp]

At my bank, they once accidentally deposited my paycheque into my chequing account rather than my savings account. When I went to pay my credit card bill they told me I didn't have enough money. Bank ladies with fat fingers make mistakes, I guess. :/

[Slinky Ferret]

I don't know if you get it where you live but in the UK there have been many incidents of what I think is called skimming. A card reader is placed over the card slot of the ATM so that when you put your card in it reads the details and records the pin number.

Then using the information a fake card can be created. Most of the time this is picked up because the account is maxed out. However, if it is smaller amounts such as £10-£20 over several days people won't notice until it is too late.

The sad thing is it can take a hell of a long time to get the bank to cough up and refund your money.

[sadie]

luckily, they made this situation right very quickly. i haven't heard of skimming, but i read about businesses holding extra money on an account for a matter of time after the purchase date. up to thirty days, i believe it was.

[kahljorn]

Don't they have some kind of policy like, "If you don't get your recipt, your transaction is free"?

[sadie]

not that i'm aware of. how do those things work, though? do you leave the bank and then come right back in like, AHA!?

[kahljorn]

I don't know, but I know they usually give you a free large fry if it happens.

[Dr. V]

Bank error in your favor. Collect $1900.