Problem with my bank

[idli123]

Hi Everyone,

I have a weired problem. My client gave me a check of 1300 dollars which i deposited into my bank account in Oklahoma, but that check was returned to me saying insufficient funds. Then as i got a job in lubbock texas wherei opened an bank account and tried to redeposit it, here the whole thing got messed up.

This check went to my old bank in OKlahoma saying insufficient funds and for that the bank guys deducted 1300 dollars from my account in oklahoma, when i called them saying it has nothing to do with oklahoma bank they said as the federal trust or treasure has deducted that amount from them they have deducted it from mine. Then i called the bank in lubbock and they say the check is still in hold and they will get back to me on 1st of March. The Oklahoma bank said they have even posted me the returned check.
Now i dont know whom to ask what and am really worried. This all might seem confusing but it happened. If any one can suggest me then it wil be of lot of help.

Thanks

[jokach]

First off, if the check bounced the first time you deposited it, you should've gone back to the person who gave it to you and demanded your money plus whatever the penalty was for the bad check by the bank. Writing bad checks is a pretty hefty offense if prosecuted.

Anyway, the second time you tried to deposit it, did you deposit it in the same bank, just a different branch in Texas? If so, it may have been that the check was already flagged for being insufficient already and sent back to the Oklahoma branch and put on hold in Texas for the investigation. Unfortunately, you might be flagged for attempting to pass bad checks ...

I'm no expert on this, but I don't think I would've gone and tried to deposit the bad check a second time, I would've looked to collect my money either through the courts or directly via cash from the person who gave it to me.

jokach

[idli123]

Thanks a lot for the advise, its not the same bank they are two different banks one is University and commiunity bank in oklahoma and the second is wells fargo in Texas.Advise me what options i have because the person who gave me this check is not responding to my calls or emails and first of all i need to get my money then i will think about his. If i want to go for prosecution how should i proceed and what all do i need to do. Please help me.

Thanks
Adi

[mercinary]

Adi:

Maybe a little off-topic, but why are you asking this here? Is this related to online fraud somehow? We are far from experts on this topic, so any advice Jokach (or anyone else) gives is only a guess at the next best step.

Best of luck.

-Merc

[SANDSTER]

First off, if the check bounced the first time you deposited it, you should've gone back to the person who gave it to you and demanded your money plus whatever the penalty was for the bad check by the bank. Writing bad checks is a pretty hefty offense if prosecuted.

Anyway, the second time you tried to deposit it, did you deposit it in the same bank, just a different branch in Texas? If so, it may have been that the check was already flagged for being insufficient already and sent back to the Oklahoma branch and put on hold in Texas for the investigation. Unfortunately, you might be flagged for attempting to pass bad checks ...

I'm no expert on this, but I don't think I would've gone and tried to deposit the bad check a second time, I would've looked to collect my money either through the courts or directly via cash from the person who gave it to me.

jokach

I'm no expert on this, but I don't think I would've gone and tried to deposit the bad check a second time, I would've looked to collect my money either through the courts or directly via cash from the person who gave it to me.

Gee you think? Has this person every solved this problem?
Sandster