|
 |
Home >> Scams/Fraud
New Account brings New Problems with it
I have just separated from my husband. We have a joint checking/savings account to which my monthly social security disability income gets direct deposited around the first of the month. On July 1, I opened my own account without his name on it and transfered the direct deposit into my new account. Someone impersonating me was able to call the credit union's call center and have a cashier's check issued and mailed to the address on my account. I don't have a new place to live yet, so I had to use the address that I just left, but I have no access to the mail. I had a security code on my new account, so I don't understand how she was able to do this, but the CU will not give me my money back. They want to see who tries to cash the check. I feel victimized and frustrated because this was the reason that I opened a new account in my own name. Advice?
|
|
 Call the credit union and first ensure your security code has been changed. You don't want anyone to have additional access. Next, ask them what happens if the check isn't cashed? How long should you wait? Tell them you did not request the check, you did not ask to have your funds sent where you didn't want them, and that your account should be credited immediately. It may well be that if this was a cashier's check they sent, they will ask you to sign a bond that it hasn't been received by you and won't be used by you. They may say more time is needed because they do have liability for a cashier's check. If you need these funds to live on, press to speak to an officer and emphasize that this situation did not start at your request. You should try to determine how your code was compromised and it may well take some time to recover your funds, but it will happen later rather than sooner if you wait.
Published on BankingQuestions.com 7/21/10
|
| |
|
Accounts
Article
Q&A
Podcast
Video
Blog
Discussions
PDF
Powerpoint
