HSBC Bank They stopped payment and now I am being charged with Felony!!! California, Internet

Ok... you all are assuming I am trying to get out of a debt.. I am not!! I am not up $537. After I received the cashier's check, and cashed it, I paid the company that the bank says put an ACH through, so if the bank paid them they received a double payment. However, when I check the account history, they did not receive a double payment that month. So the bank is lying. If they made this payment on my behalf, then they should be able to show me that they did, because the receiving company did not receive the funds!! I was sent a Cashier's Check from the bank, which is certified funds!! How do you put a stop payment on Certified funds with out having the Cashier's Check back in hand???  It doesn't make sense. Someone in their accounting messed up by not doing the corresponding general ledger entry, and when the mistake was caught they put a stop payment on the cashier's check. I have requested documents pertaining to my account for the last two years.. if they have nothing to hide why won't they furnish me with the documents I requested? Why don't they furnish me with proof that they paid the ACH. Either they owe me the $537 (to pay the Grocer) or they owe me the difference between that and the ACH they say they paid. Which is at least $222. For the record, the bank no longer has that program so my account was closed because they were discontinuing that particular "no check, debit only" type of account. And how could I have overdrawn the account when/ if the funds aren't there I can't use the card????  Really some of you cynical people out there think that everyone is out to scam somebody.. that is not the case. I just want the bank to be held accountable for their mistake, and not to hang me out to dry because of it.

http://www.ftc.gov/reports/index.shtm

You said "Then one day my card does not work on payday and I call the customer Service, I am told they have decided to close my account and have hot lined my card so that it couldn't be used."

What did you do to cause a bank to close your account for no reason? 

My guess is you debit carded yourself out of the bank by spending more than was in the account.

It does not seem like you are telling the entire story.  Banks don't just close out accounts for no reason.  While you may not agree with the reason, there is always going to be one.  So what was the reason they closed your account in the first place?

Who filed charges on you?  Because the only person that is out any money is the Grocer.  If they had no animosity against you then why would they be trying to file Felony fraud charges?

As for the Cashiers check I doubt that a bank would just issue you a Cashiers check without deducting the money from your account.  But let's say that they did make a mistake.  They canceled the check and you have $537 cash from the Grocer, but you would then still have $537 in your "closed" account because according to you it was never deducted and the check was returned anyways.  But then an ACH came in and the bank paid $315 from your account.

The Grocer and I worked together to try and get them to replace the cashier's check or try and get any information as to why

- Why would the bank do that?  Which ever way you look at it your bank account does not have $537 in it anymore.  If you are not leaving anything out, at most you would have about $222 in the account.   So if you saying that for the last two years they have frozen these funds and not released them, then you would have a valid complaint but it is not clear and seems unlikely from what you wrote. 

But that does not take away the fact that you still owe the Grocer the $537 for the check that was cashed and returned.  Now, what does seem more likely based on what you wrote here is that the "fraud" seems to be that you seem to be trying to not only keep the $537 that the Grocer cashed for you, but to have the bank pay the Grocer the $537.  Meaning that the Grocer comes out even, the bank comes out down $537 and you come out ahead an extra $537.

Don't complain write letters and either send FedEX of USPS Priority Mail. Send them the proof of what you state and have someone correct the grammar and spelling. Nothing is going to get done writing on here.

Write to the Acting head of OCC in Washington and send a copy to Irene Dorner, President & CEO, HSBC Bank, N.A., 452 Fifth Avenue, NY, NY 10018