Report: #227443

Complaint Review: Bb&t - MARTINSBURG West Virginia

  • Submitted:
  • Updated:
  • Reported By: MARTINSBURG West Virginia
  • Phone: 304-296-9842
  • Web:
  • Category: Banks

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i was mailed a cashiers check,took it to bb&t. they cleared and credited it to my acc., 2 days later i cashed a check at bb&t now they tell me that it waS A SCAM and i have to pay the money back. they even went so far as telling me that i sent the money through western union. now they have accused me of being part of the scam.

they have frozen my bank acc. and told me that it is my fault and that i would have to pay everything back and maybe charged as a criminal co conspirator. i didn't clear the check they did, now they want me to pay for their mistakes.

i'm on a ssdiisibility buget and by high-jacking my account i can't pay my bills. they stand to take all of my ssdisibility check. what am i suppose to do?

MARTINSBURG, West Virginia

This report was posted on Ripoff Report on 12/27/2006 07:21 PM and is a permanent record located here: https://www.ripoffreport.com/reports/bbt/martinsburg-west-virginia-25401/bbt-accepted-a-check-cleared-it-to-my-acccashed-my-check-martinsburg-west-virginia-227443. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#4 Author of original report


AUTHOR: John - (U.S.A.)

POSTED: Thursday, December 28, 2006
i'm glad to hear from so many knowledgable parties. i have went to the bank, igave back the money i withdrew and now i waiting to see what the bank will do. in the future, try not to assume that everyone is an idiot.if the bank wanted, they could have sent an email, if they could not reach me at home or leave a message.i did get a notice in the mail today. thank you for your comments.
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#3 Consumer Suggestion

Problem solved.

AUTHOR: Mike - (U.S.A.)

POSTED: Thursday, December 28, 2006
Since you still have the money, give it back to the bank. Now that you insist on keeping the money after you know the check was bad, you are trying to rip off the bank. If you persist, they may conclude that you knew the check was bad all along, and attempt to have you prosecuted for criminal fraud. So give the money back NOW. It is not yours.

Ask the bank to forgive any fees for the bad check or any overdraft that occurred after they took the money off of your balance. Your potential success at that depends on the bank and your previous history with them.

Read the numerous other reports about this issue. There are some very good-looking phony checks out there. An international criminal syndicate prints them up and then uses a network of confidence men to get unwary Americans to cash them and Western Union real money back to the criminals. Usually the checks are presented on the pretence of being part of a "swwepstakes" or "lottery" or the purchase of a big-ticket item that the victim advertises for sale.

The people at your bank often have NO WAY TO TELL if the check is real or not until it goes all the way back to the company that supposedly wrote it. If that company tells their bank it is a forgery, your bank will demand the money back from you. That may take weeks. That's why the scam works. The bank is REQUIRED to credit the money to the customer within a few days. By the time the check comes back, the money has already gone to Canada or Africa, etc. by Western Union.
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#2 Author of original report

BB&T accepting a check

AUTHOR: John - (U.S.A.)

POSTED: Thursday, December 28, 2006
my problem with their action, is that if they knew that the check was bad,then why did they cash it in the first place? i was also told that they knew that i sent the money through western union.

in fact they knew nothing of what i did with the money, i did not go to western union. they are acting as if i'm a co-conspirator in the scam.
i am not. if they are the "experts", it seems to me that they are the ones that made the mistake.
why should they be allowed to bear no responcibility for this situation? why should i
have to payback more than the original amount?

it seems to me that they should not have deposited the "check" and credited my acc.(once again they're the "experts")nor should not have allowed me to cash a personal check from my acc.

i don't feel that i should be the criminal here. any other business has to eat they're mistakes, but i guess banks are exempt. they always win and everyone else gets to pay. by the way i didn't go to western union nor have i spent any of the money that i with drew. as a customer i should not be threatened and accused of being a criminal.
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#1 Consumer Suggestion

It's a popular scam

AUTHOR: Kevin - (U.S.A.)

POSTED: Wednesday, December 27, 2006
The cashiers check that you were sent...Was this a company that you've done business with before?

Was it from a person you knew?

Were you expecting this check?

Did you question AT ALL why out of the blue a cashiers check was sent to you?

Why did you send money through Western Union?

John, it does sound like a very popular scam going on.

The bank is not wrong in taking recourse against your account.

What was the amount of the check, and what was the amount that you sent?

Maybe if you gave the bank the difference back, they could try to work with you.
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