Regions Bank lost $2500 check i deposited, will not honor, have proof of transaction Biloxi Mississippi

When you make a deposit INSIDE a bank or through a teller, they give you a Deposit slip, no matter how long it will take to clear.

Thank you Connie for understanding.
Mike it is not under the table because I keep reciepts of the jobs I do. Jack Staling was the name of ONE of the two contractors and I told the bank that but it does not help because they cant find the check.

As for how I use the computer, we slept in the car for almost 4 weeks. My room mate gets death benifiets every month which allowed us to get into a hotel. The first day we got into a hotel I called the local paint store to see if anyone was hiring a painter.

I called the contact he gave me and i started the next day. He pays me daily with checks to help keep us in a hotel till my room mate gets her check from her job which will take 2 weeks and then she can pay for a full week so i can allow the contractor to pay me weekly. Complex but the only way for me to keep our head above water for now. With both of our checks and her death benfeits check at the beginning of May will give us enough for a place but till then we struggle daily.

Should not have been this difficult but there it is.

What I wanted was for someone who has dealt with something like this to give some advice to help me get my money back not how to roll over and take it.

Danielle,

I just can't imagine leaving money in any institution without a receipt. That said, I'd be furious in your case however, not so much with the bank, but with myself. But this plagues me:
You really mean to say that the bank refuses to recognize its own "Notice of Exceptional Hold" that they mailed to you? If such a document cannot be held to take the form of a receipt, I don't know what would.

Banks in general have poor reputations, but I'm having trouble understanding why Regions Bank would try to take advantage in such a case as yours? If they're serious about this then I can easily imagine you succeeding handsomely in your endeavor to seek the funds and then some. What does your lawyer say about it?

With respect, I liked Mike's thought 9/4/2007 that: "Why don't you go back to the house you worked on and ask for the contractors name that did the work. I'm sure they would give it to you." You've since moved, yes, but if it was me I'd have got that detail pretty darn quick. The property owner would almost certainly have some form of written contract, and even if not, surely he'd have all Jack's contact information right? Your lawyer certainly could assist in this if not already.

Finally, and this point has not been brought up before, who's to say that the check Jack &/or his contract partner gave you wouldn't bounce? Just a thought that came to mind? In any event, I still cannot fathom how a bank can legitimately weasel it's way out of this case, unless it knows more about the check than it's prepared to let on???

All the best. Comments please?

Danielle,

I never said you were part of the blame for the loss of check. What I said was that banks lose deposits, it's bad but it happens. What I said was that you were partly responsible for not being able to remedy it easily as I've detailed above.

As for Connie,

Being paid cash is considered under the table, is it not? That is the assumption I was working under as I consider "under the table" to be acceptance of cash payments without payroll tax reporting which is what happened. I never attacked her for the banks issue, in fact the bank should be ashamed that they lost any record of the deposit. HOWEVER, the problem would be easily remedied had Danielle at least taken the time to know the people she worked for, I mean, cmon, really.

Danielle,

I never said you were part of the blame for the loss of check. What I said was that banks lose deposits, it's bad but it happens. What I said was that you were partly responsible for not being able to remedy it easily as I've detailed above.

As for Connie,

Being paid cash is considered under the table, is it not? That is the assumption I was working under as I consider "under the table" to be acceptance of cash payments without payroll tax reporting which is what happened. I never attacked her for the banks issue, in fact the bank should be ashamed that they lost any record of the deposit. HOWEVER, the problem would be easily remedied had Danielle at least taken the time to know the people she worked for, I mean, cmon, really.

Danielle,

I never said you were part of the blame for the loss of check. What I said was that banks lose deposits, it's bad but it happens. What I said was that you were partly responsible for not being able to remedy it easily as I've detailed above.

As for Connie,

Being paid cash is considered under the table, is it not? That is the assumption I was working under as I consider "under the table" to be acceptance of cash payments without payroll tax reporting which is what happened. I never attacked her for the banks issue, in fact the bank should be ashamed that they lost any record of the deposit. HOWEVER, the problem would be easily remedied had Danielle at least taken the time to know the people she worked for, I mean, cmon, really.

You people never cease to amaze me! After reading this board, time and time again, you people are coming down on the VICTIM and never once say a word about how she can get help. THE OBJECTIVE OF RIP OFF REPORT IS TO PUT A STOP TO THE BLATANT THEFT BY THESE CORPORATIONS, SCAMMERS, ETC., WHO BY THE WAY ARE AT A MINIMUM, MILLIONAIRES, BY VIRTUE OF THEIR THEFT THAT THEY GET AWAY WITH LEGALLY! B A N K S A R E T H E BIGGEST OFFENDERS! They rob the very people that pay their salary. But no, the victim deposits a check that she EARNED, and some smart alec had to throw in there that she EARNED her money "under the table" (which is nothing but an unfounded false accusation - how do you know that? Were you there? Who do you think you are making such a false accusation?) LISTEN PEOPLE, if you want to be hateful then vent your frustrations some other way. Danielle never did any wrong to you and she was ROBBED by a BANK THAT HAS MILLIONS IN MONEY THEY PROBABLY STOLE from people like her AND HAVE GOTTEN AWAY WITH IT. So, please, STOP coming down on the victim making false accusations, blaming them and start SUPPPORTING EACH OTHER!!!!!!!! TODAY DANIELLE, TOMMOROW
Y O U!

I opened the bank account without knowing i would decide to relocate to Florida. I deposited the check on Feb 27 and recieved the Notice in the mail like a day or two later. I was already in the process of moving to Florida know i deposited the check and it would be avaliable when it became avaliable so i could pay for the new place me and my room mate moved into.

I perfered to stay a week in a hotel before i got a place so when i do move to another area i have time to explore the city and find an area i perfer to live in...ie no crack hoods or a snooty area. Im orginally from new orleans and i perfer to be around laid back fun people. But once it became clear that they would not find the check i was sure i had to go back to biloxi to fix it but by that time we had like $20 and thats not enough to get a hotel or anything...hardly enough for gas.

I may have been in a bad way not getting the deposit slip because i was too much in a rush with alot on my mind but NO i am not in any part resposible for them losing my deposit check. I gave it to them and they accepted it and even had it in their possesion long enough to mail me the Notice cause EVEN they forgot to hand it to me while i was there AND messed up on the whole procedure of the processing the deposit.

I have proof of the deposit was made and they lost the check. What if this was a check by someone who was in a car crash...that check would be irreplacable too...i just happen to have done a job for a contractor i met at a gas station did the job and was paid.

THIS mess up was caused by the bank.

As a contractor, I believe it's your responsibility to account for the income that you receive, 1099 or not. For a one time job, you are supposed to receive a non employee compensation 1099 at the end of the year when the amount exceeds a certain amount (I believe the amount is $600), so in this case, information should have been provided to the payor, but the payee would not necessarily have the others information.

The payor in this case isn't responsible for the payment of any taxes, insurance etc, that would be the responsibility of the sub contractor. All tax liabilities are the responsibility of the contractor in question, as they are considered and hold themselves out to be self employed.

As for the 'missing' deposit, I have no comment. I know quite a few self employed individuals (and this included myself at one point), and only wanted to clarify that Danielle may not have gotten the proper information from the person that hired her, but MAY have given the correct information to the contractor for tax purposes. If this is the case, the information should be able to be retrieved the beginning of next year, either through change of addy's through the USPS or the IRS once all the information is processed.

Next time I'm sure she'll give and get proper information in order to avoid this situation happening again. I'll be watching for updates with interest, especially since she claims to be living in a car (with 3 dogs and a roommate), yet has access to a computer with internet and can afford an attorney.......

Have a great day all!!

Since Mike generally puts up pretty good postings here, I thought I'd help him out with his question about Exceptional Hold Statements. This is from teh Fed's web site:

"For certain types of deposits, Regulation CC permits financial institutions to delay, for a reasonable period of time, the availability of funds. A reasonable time period is generally defined as one additional business day (making a total of two business days) for on-us checks, five additional business days (total of seven) for local checks, and six additional business days (total of eleven) for nonlocal checks; your institution may impose longer exception holds, but you may have the burden of proving that they are reasonable.

If you decide to hold funds beyond the period specified in your institution's general availability policy, you must give the customer a notice at the time of the deposit explaining why the funds are being held and when they will be available.

If the deposit is not made in person to an employee of your institution or if you decide to extend the time when deposited funds will be made available after the deposit has been made, you must mail or deliver the notice to the customer not later than the first business day after the banking day on which the deposit is made. "

I was originally going to apologize for coming off rude, as that wasn't my intention, but I've thought better of it after reading your condesending post to me.

However, let me point out a few things..

1. You said " EXCUSE me for being in a rush that day and did not DEMAND a deposit slip.".

**Exactly my point, you are partly to blame for not being able to resolve this. Being in a rush doesn't absolve you of any responsibility.

2. You said "people dont have there parents paying there way through life and were not the best in school"..

**My parents didn't pay for me through life either. I joined the Marines in 1988 and then went to school part time at night while working full time and I paid for it all myself. My parents taught me to value a dollar. They also taught me personal responsibility.

3. You said "And no it is not illegal to get paid under the table as you say as long as the taxes are paid. which for me i keep a record of all my jobs and the amount paid. PLUS gas tools lunch receipts that all happen to be tax deductable

**Actually, it IS illegal unless you are provided a 1099 at the end of the year from the employers you've had through the year showing the amounts paid. However, and this is big, THEY ARE SUPPOSED TO PAY THE GOVT PAYROLL TAX, FICA, UNEMPLOYMENT, ETC ON THEIR EMPLOYEES. If you got paid $500 cash and a personal check for the rest, there is no way this happened, therefore it is illegal, period. And I'm SURE you declare all $500 of the cash he gave you right? Right?? And I'm sure ALL your deductions are legit, right?

4. You said "As for a contractor with no number. baby it was a job i took it i know his name but not his partner's i know the carpenter's first name that dont get me far though. I met him at a gas station. he paid me. I got rides with Jerry. the carpenter in the mornings and shared gas money."

**How do you declare income to the IRS from contractors with no contact information and company tax-id number?

You still haven't answered my question about how they mailed the Notice to you when you moved within a day or two of depositing the money. Where did they mail it to? And why did you open a new account in a bank in the town you were moving away from?

Look, the bank lost your check, but you have to accept part of the responsibility for not being able to resolve the issue. Banks lose deposits, it happens, I've had it happen to me. But I was able to not only show them the deposit slip that I get with each withdrawl/deposit, but I was able to contact the issuer for a replacement. If banks were to simply take peoples word for things, they'd be taken every day for millions by scam artists.

First to Juliet. They mailed me the Notice of Exceptional Hold because as written in the letter. they forgot to hand it to me when i was there and the reason for the exceptional hold as stated on the form is because the account was under 30 days old.

Yes sometimes the money is there early and that is why i called to check on it.

As for the fella one could assume works for the bank since he has a rude way. son some people dont have there parents paying there way through life and were not the best in school but I did have enough sence at an early age to pay attention to my dad when he taught me a trade.
I work extremely hard for the money i make. And no it is not illegal to get paid under the table as you say as long as the taxes are paid. which for me i keep a record of all my jobs and the amount paid. PLUS gas tools lunch receipts that all happen to be tax deductable at the end of the year and always seem to leave the IRS oweing ME money.

The POINT of this all is I did a job. got a check. deposited the check in my bank. bank lost check. i have proof of the deposit via Notice of Exceptional Hold which the bank confirms the sent to me AND the teller REMEMBERS me placing the 2500 deposit but can not remember what happen to the check.

As for a contractor with no number. baby it was a job i took it i know his name but not his partner's i know the carpenter's first name that dont get me far though. I met him at a gas station. he paid me. I got rides with Jerry. the carpenter in the mornings and shared gas money. and EXCUSE me for being in a rush that day and did not DEMAND a deposit slip. They know i deposited it and they lost it. I cant replace it so its the banks resposibility to honor what they lost.

Another reason Exceptional Holds can be placed on checks deposited is if the account holder has a history of negative account balances, and/or bouncing checks.

It usually takes a kind of extensive or excessive amount of continual negative activity for that to happen, but it IS one of the reasons these kinds of holds can be placed.

Notices of Exceptional Hold, in my experience, have been when I've deposited checks that are over a certain dollar amount. The first time this happened was about 10 years ago, and was from a pension plan, it wasn't a personal check, for $5000. They made the first $100 available to me, and put a hold time on the $4900 of 11-15 BUSINESS DAYS to make sure the check cleared.

If you make the deposit in person, the teller tells you about the Hold being placed, Why it's being placed, how many business days the money will be held, the latest date that the bank will have a hold on the money, and that after that date, the money will be available to you. The teller gives you the Notice along with your receipt.

If you do it through an ATM, they mail it to the address on file. The form is the same one a teller gives you, and has all the same information that the teller explains if you are there in person.

The money CAN BE available sooner, you just have to check with the bank till you find out the Hold has been released.

There are other reasons the bank will place an Exceptional Hold as well, though I don't recall them.

I'm wondering if the dollar amount might have lowered to around $2500, $3000 or so, since so many of the lottery scam checks are under $3000, and maybe that is one reason why? The scammers don't want Exceptional Holds to be placed?

Notices of Exceptional Hold, in my experience, have been when I've deposited checks that are over a certain dollar amount. The first time this happened was about 10 years ago, and was from a pension plan, it wasn't a personal check, for $5000. They made the first $100 available to me, and put a hold time on the $4900 of 11-15 BUSINESS DAYS to make sure the check cleared.

If you make the deposit in person, the teller tells you about the Hold being placed, Why it's being placed, how many business days the money will be held, the latest date that the bank will have a hold on the money, and that after that date, the money will be available to you. The teller gives you the Notice along with your receipt.

If you do it through an ATM, they mail it to the address on file. The form is the same one a teller gives you, and has all the same information that the teller explains if you are there in person.

The money CAN BE available sooner, you just have to check with the bank till you find out the Hold has been released.

There are other reasons the bank will place an Exceptional Hold as well, though I don't recall them.

I'm wondering if the dollar amount might have lowered to around $2500, $3000 or so, since so many of the lottery scam checks are under $3000, and maybe that is one reason why? The scammers don't want Exceptional Holds to be placed?

Notices of Exceptional Hold, in my experience, have been when I've deposited checks that are over a certain dollar amount. The first time this happened was about 10 years ago, and was from a pension plan, it wasn't a personal check, for $5000. They made the first $100 available to me, and put a hold time on the $4900 of 11-15 BUSINESS DAYS to make sure the check cleared.

If you make the deposit in person, the teller tells you about the Hold being placed, Why it's being placed, how many business days the money will be held, the latest date that the bank will have a hold on the money, and that after that date, the money will be available to you. The teller gives you the Notice along with your receipt.

If you do it through an ATM, they mail it to the address on file. The form is the same one a teller gives you, and has all the same information that the teller explains if you are there in person.

The money CAN BE available sooner, you just have to check with the bank till you find out the Hold has been released.

There are other reasons the bank will place an Exceptional Hold as well, though I don't recall them.

I'm wondering if the dollar amount might have lowered to around $2500, $3000 or so, since so many of the lottery scam checks are under $3000, and maybe that is one reason why? The scammers don't want Exceptional Holds to be placed?

Notices of Exceptional Hold, in my experience, have been when I've deposited checks that are over a certain dollar amount. The first time this happened was about 10 years ago, and was from a pension plan, it wasn't a personal check, for $5000. They made the first $100 available to me, and put a hold time on the $4900 of 11-15 BUSINESS DAYS to make sure the check cleared.

If you make the deposit in person, the teller tells you about the Hold being placed, Why it's being placed, how many business days the money will be held, the latest date that the bank will have a hold on the money, and that after that date, the money will be available to you. The teller gives you the Notice along with your receipt.

If you do it through an ATM, they mail it to the address on file. The form is the same one a teller gives you, and has all the same information that the teller explains if you are there in person.

The money CAN BE available sooner, you just have to check with the bank till you find out the Hold has been released.

There are other reasons the bank will place an Exceptional Hold as well, though I don't recall them.

I'm wondering if the dollar amount might have lowered to around $2500, $3000 or so, since so many of the lottery scam checks are under $3000, and maybe that is one reason why? The scammers don't want Exceptional Holds to be placed?

1. Can you please explain to me what a "Notice of Exceptional Hold" is? I've never heard the term

2. You claim that you deposited it because you were moving to FL and that you checked to see if it cleared on the way, so you left within a day or two. If that's the case, and you had no residence in FL, where did they mail this to and how did you get it? You were moving, so where did the Notice of Exceptional Hold get mailed to?

3. Whether you deposited the check at an ATM or a teller, they give you a reciept with the deposit. This is your proof of deposit. Show this to the bank as proof.

4. You didn't get the persons last name you were working for, or contact information? You worked for him for two weeks, where did you meet up with the carpenter. You didn't get his name either?

5. Why don't you go back to the house you worked on and ask for the contractors name that did the work. I'm sure they would give it to you.

6. You said "Well I dont have all the time in the world to sit at a gas station for a few days hoping he will show up there again."

**Well, if you're homeless and unemployed, and really wanted that $2500, I'd say you had all the time in the world.

The problem here is while the bank made a mistake, losing deposits does happen. That's why they give you a receipt with your deposit. You're supposed to keep that. Most of the fault in not being able to remedy this lies with you. You worked under the table (illegal) and got paid by someone who you don't know. You didn't keep your deposit receipt. You don't know how to contact the contractor. While the bank is wrong for losing it, the remedy should have been easy.

Zi have a copy of the Notice of exceptional hold which states my name date of deposit account number and the amount. so yes i do have proof

Zi have a copy of the Notice of exceptional hold which states my name date of deposit account number and the amount. so yes i do have proof

Zi have a copy of the Notice of exceptional hold which states my name date of deposit account number and the amount. so yes i do have proof

Zi have a copy of the Notice of exceptional hold which states my name date of deposit account number and the amount. so yes i do have proof

I Walked into the bank to deposit the check. They mailed me the Notice of Exceptional Hold. I deposited the check and I should feel secure that they would not lose the check.

Anyone in construction knows contractors dont always have jobs to hand to you. sometimes you have to open your mouth and get moving to fill the empty days. Thats what I did I saw a contractor and I asked him if he needed a painter. he did. i worked got paid and it was done.

Was this an alleged ATM transaction? There's too much wrong with your lack of proof for this to be a bank issue.

There are a lot of ways to locate a missing checks, but the easiest way starts with the receipt. Do you have one?

Biloxi MS is full of contractors right now that are from out of town. I met him at a gas station and saw he was a contractor.Iasked if he needed any paint help and he said to meet him there tomorrow. So I did and and he gave me $500 cash to start the job for the everyday needs of a worker...ie lunch cigarettes,cokes,extra tools,ect.

I got a ride with his carpeter to save on gas for a 25 mile drive...we split the cost of gas.
2 weeks later when finished the contractor Jack Staling's contractor partner gave me my $2500 check.

I deposited it and the bank lost it. I found out the bank lost it while moving to Florida with room mate. When I realized the bank couldnt find the check I went back to Biloxi nearly broke to try to find Jack.Well I dont have all the time in the world to sit at a gas station for a few days hoping he will show up there again.
The point is the bank lost a for all purposes irreplacable check to my capablities. And since they lost it they need to replace the check but now i have a lawyer that will be sueing for the check amount PLUS suffering...instead of getting an apartment i have been living in my car for the past month with 3 dogs and my room mate.
Just got into a hotel and working but its a day by day finacial situation so if my car catches a flat tire i will be homeless again.

Why not contact issuer of check? Why don't you have the receipt given to you when you deposited the check? If the issuer of the check can verify that was cashed, they can give you a copy of the cancelled check to show the bank as proof. If it hasn't been cashed simply ask the person who's house you painted for a replacement check.

Can't the person who wrote you the check issue you another one?

If it was truly lost, then it wasn't cashed, so the person who wrote the check should have no reason not to issue you a replacement one.