My question involves business law in the state of Maryland.
I went to an ATM located outside in a rough neighborhood. I was a little nervous about being outside with a wad of cash because I did not want to get robbed. I quickly stuck the money into the ATM to make a speedy cash deposit, when I realized a tad bit too late that there was a limit as to how many bills you can stick into the ATM at one time.
The ATM showed me an error message and told me that I would have to call the bank because it could not release my deposit.
I called the bank and the bank instructed me to file a claim so that they could investigate the ATM situation and release my funds in a few business days.
Once the investigation was complete, my claim was denied. The bank informed me that they reviewed the camera footage from the ATM and based on that footage they believe that I did not put any cash into the ATM at all and that I most likely crumpled up a $20 bill along with some paper and made a false deposit.
As a result of the denied claim, the bank decided to close my account due to fraud and report all of their findings to Chexsystems and the credit bureaus. In addition to this, I lost the money that was REALLY deposited into the machine.
Because my account was a business checking account, this is negatively impacting my business. I cannot fulfill any of the payments that were coming out of that account on time because the bank froze my account. I most likely will not be able to open any other bank account, apply for business or personal credit, and many other issues resulting from a fraud flag following my name. I am being treated as a criminal and there is no way for me to do business with this on my record.
I went into the bank to get an explanation as to why this was all going on, and the bank would not talk to me about anything, instead, they confiscated my debit card in front of all their other customers.
I am worried sick because I do not know how to defend myself and I have been calling around trying to find the right type of attorney who could help me figure out what my right are and what I can do to seek justice for myself and my business.
Can I sue the bank? Or what can I do to clean up this mess? I may have been accused of fraud but I did nothing wrong and the bank has no evidence of anything fraudulent, just their assumptions based on camera footage.
I went to an ATM located outside in a rough neighborhood. I was a little nervous about being outside with a wad of cash because I did not want to get robbed. I quickly stuck the money into the ATM to make a speedy cash deposit, when I realized a tad bit too late that there was a limit as to how many bills you can stick into the ATM at one time.
The ATM showed me an error message and told me that I would have to call the bank because it could not release my deposit.
I called the bank and the bank instructed me to file a claim so that they could investigate the ATM situation and release my funds in a few business days.
Once the investigation was complete, my claim was denied. The bank informed me that they reviewed the camera footage from the ATM and based on that footage they believe that I did not put any cash into the ATM at all and that I most likely crumpled up a $20 bill along with some paper and made a false deposit.
As a result of the denied claim, the bank decided to close my account due to fraud and report all of their findings to Chexsystems and the credit bureaus. In addition to this, I lost the money that was REALLY deposited into the machine.
Because my account was a business checking account, this is negatively impacting my business. I cannot fulfill any of the payments that were coming out of that account on time because the bank froze my account. I most likely will not be able to open any other bank account, apply for business or personal credit, and many other issues resulting from a fraud flag following my name. I am being treated as a criminal and there is no way for me to do business with this on my record.
I went into the bank to get an explanation as to why this was all going on, and the bank would not talk to me about anything, instead, they confiscated my debit card in front of all their other customers.
I am worried sick because I do not know how to defend myself and I have been calling around trying to find the right type of attorney who could help me figure out what my right are and what I can do to seek justice for myself and my business.
Can I sue the bank? Or what can I do to clean up this mess? I may have been accused of fraud but I did nothing wrong and the bank has no evidence of anything fraudulent, just their assumptions based on camera footage.
Business Finance: Can I Sue a Bank for False Accusation of Fraud
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