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Home >> Checks/Money Orders >> Checks You Received
Troubles with Fraudulent Check
I deposited a personal check into my account in August 2007. Recently, the bank took the funds from the check out of my account and said that the check was fraudulent. Why did it take so long for them to determine that the check was fraudulent? What is it that makes a check fraudulent? Is there anything that I can do to get the funds from the check?
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 The check may have been forged or drawn against a non-existent account. There may be other things wrong with it. To find out what is wrong with the check, you'll need to contact your bank or the bank on which it was drawn.
The long delay before the check was charged to your account is troublesome. When a check is fraudulent, the normal deadline for the bank on which it is drawn to bounce the check is midnight of the day following the day it showed up for payment. A delay of seven months would only be allowed if the check was delayed in its arrival at the paying bank. If the check was received by the paying bank in August 2007, and the bank waited until March 2008, to return it for fraud, it's likely that the return was late, and you should not have been charged. You can check with your bank to find out if that was the case.
On the other hand, if the paying bank did return the check on time back in August 2007, and the returned check wasn't received by your bank until March 2008, due to delays in transportation, etc., then the return was timely, and your bank would be justified in charging it back to your account at this late date. Again, to get the facts you'll need to contact your bank.
Published on BankingQuestions.com 4/02/08
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