Q: bank clear counterfeit check tells me they aren't liable
Bank being very vague about whether I will get money back on counterfiet checks they cleared.
A: If you cashed or deposited a counterfeit check, the bank is generally not liable. They may have made the funds available to you, but that does not mean the bank must eat the loss.
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A:
I'm sorry to hear you're dealing with this situation. When a bank clears a counterfeit check, it can be frustrating if they aren't clear about your liability or the next steps.
First, review your account agreement to understand the bank's policies on counterfeit checks. It's important to document all communications with the bank, including dates, times, and the names of representatives you speak with. This information can be valuable if you need to escalate the issue.
Next, consider filing a dispute or a formal complaint with your bank. If the response remains vague, you might reach out to your local financial regulator or consumer protection agency for assistance. Additionally, reporting the counterfeit check to the police can help protect you from further fraud. Keeping thorough records and staying persistent can increase the chances of resolving the issue in your favor.
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