Help! i deposited a check two days ago and the credit alliance call and said the reason be closed.?
I deposited a check I got but the credit union call and said the account was closed and I dont hold enough to cover the check.Will I be charged with a crime?
Answers: If I'm sympathy you correctly, essentially someone gave you a "bad check" - which you deposited. But you didn't know it be a bad check. Therefore, you wouldn't be charged with a crime for that. Now, if you have spent the money already - which it sounds like you did - or you had smaller quantity than the check's amount before depositing it in your article - you may experience some "issues" under the bank's rules - but it's not criminal. They might charge you interest, or close your account, but it's not a "crime." However, you hold the right to file a police report with whomever give you that bad check. In some states, writing a "bad check" is indeed a crime.
If someone purposely gave you a bad check, i.e. fraud. File a police report. You can also file a law suit against the individual who gave you the check to get the money.
When you said that you don't own enough to cover the check, did you deposit the bad check and afterwards withdraw money from your account lacking waiting for the check to clear? If so, you would be responsible to your bank for the overdraft.
You need to step to your credit union and tell them you wrote checks assuming the check you deposited be a good check. Who wrote you the bad check? They can be charged next to a crime. I would go after them for the money either through the police or small claims court. Make sure you keep hold of the check, in court it is as good as a promissory register.
Your credit union will also probably waive over draft fees since you thought the funds were at hand.
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Answers: If I'm sympathy you correctly, essentially someone gave you a "bad check" - which you deposited. But you didn't know it be a bad check. Therefore, you wouldn't be charged with a crime for that. Now, if you have spent the money already - which it sounds like you did - or you had smaller quantity than the check's amount before depositing it in your article - you may experience some "issues" under the bank's rules - but it's not criminal. They might charge you interest, or close your account, but it's not a "crime." However, you hold the right to file a police report with whomever give you that bad check. In some states, writing a "bad check" is indeed a crime.
If someone purposely gave you a bad check, i.e. fraud. File a police report. You can also file a law suit against the individual who gave you the check to get the money.
When you said that you don't own enough to cover the check, did you deposit the bad check and afterwards withdraw money from your account lacking waiting for the check to clear? If so, you would be responsible to your bank for the overdraft.
You need to step to your credit union and tell them you wrote checks assuming the check you deposited be a good check. Who wrote you the bad check? They can be charged next to a crime. I would go after them for the money either through the police or small claims court. Make sure you keep hold of the check, in court it is as good as a promissory register.
Your credit union will also probably waive over draft fees since you thought the funds were at hand.