Zions Bank ,Zions Bank, Checking Account, Banking Fraud, Fraudulent Accounts, Free Checking, Mortgage, Loans, Low-Interest Loans, Small Business Loans, Credit Cards Fraud on my Account handled terribly when funds were forced through a hold was put on account, mistake on Zions part leads to a $5,000 withdraw from my account and mother's account Sandy, Utah

In June, I had my checkbook stolen, I was alerted to this by my mother who viewed a check online and saw that it wasn't my handwriting. I immediately called Zions bank and had them put a hold on my account because i was at work and couldn't go in to close the account until the following day. When I arrived at the branch to close my account it was brought to my attention that Zions bank had FORCED PAYMENT (apparently this is done when an account is on hold for items such as mortgages, car payments, etc that must be paid) on a guess what? another CHECK!!! Then... they proceeded to tell me that they could not cover the funds that had been stolen out of my account until they had done an investigation. At this point, my account was in the red due to the charges and I had bills that I needed to pay, but not only couldn't because my account was on hold, but also couldn't because they refused to cover the fraudulent funds including the one they had FORCED PAYMENT on. A month or so passes and I work with a police officer etc. to find some answers on the stolen checkbook. The original check that was stolen was actually deposited into an account and since the police officer said it was out of his jurisdiction, I called myself to figure out who the account belonged to. I got in contact with Key Bank, and they told me that the account belonged to a corporation and held millions of dollars... Around the first part of August I view my account balance online and I discover that there has been a deposit of $4,500 or so dollars. When I view the deposit slip it clearly has my account written on it, and the note that says, "Forged Checks." I immediately remember that the police officer had called me out of the blue a few days earlier, but since he is no help to me, I deleted the voicemail. I come to the conclusion that the money must be a settlement of some kind from the company that the check was deposited into as they seemed quite large and probably didn't want a law suit on one of their employees or whomever it may be that stole my checks. I watch the deposit to be sure as I have always been told, it is cleared and safe after 7 days. The deposit was done on the 28th of July, on the 5th of August, I went into the bank and withdrew $3,500.00 to pay off some of my credit cards. It is now the 14th of August and I am dealing with a lovely woman named Peggy who actually deposited this money into my account... Which, apparently was the wrong account. I am now being treated like a felon, my mother who is a joint party on my account, simply because it is the same one that I have had since I was 15, now has HER account on hold for this sum. I have told Peggy numerous times that I am happy to work with her and pay the funds back, EVEN though it is a mistake on her part and multiple banking employees and an attorney I spoke with have told me what they are doing is illegal. She has called and harassed my mother, and stepfather saying the bank will not take a loss on this. I have simply asked that they give me until Monday to come up with the $4,500.00 and apparently, that is too much as they have now withdrawn the total sum of money from my mother's Savings account! I am in tears trying to understand how a company that made a mistake on their part are being so inconsiderate and disrespectful. I am hoping someone out there has some advice for me. I have explained numerous times that this is a miscommunication, that I am NOT a thief and that I am doing everything in my power to rectify THEIR mistake. I truly believe that Peggy's job is at stake if she doesn't come up with the money and they are taking it to the extreme by calling my mother and harassing her, telling her complete lies that I confronted her about saying that I went and withdrew money out of my account as soon as I found out this was going on so that they couldn't get to it, even as I am staring at a computer screen with my banking activity and seeing absolutely nothing of the sort on the screen. Zions bank screwed up and they are making myself and my family pay for it...