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 Horsey Gene Carrier
Posts: 1888
        Location: LaBelle, Florida | So I had checks stolen from my rural mail box (new locking box installed), checks were written and went through my account that no way, no how did I write. I have reported it with the credit union and they changed everything, issued stop payment, etc. I have filed a police report ...a detective has been assigned but has not yet reached out to me. I have called and left a message. Spoke to the credit union and all they can tell me it is it is under investigation. The credit union tells me it will be 7-10 business days before I get my money back. In the mean time, my account is having flash backs to my 20s and making bets about if we are going to make it to payday. Is there anything else I can do? Thanks in advance. |
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 Take a Picture
Posts: 12841
       
| I would say that is your credit union's fault. I had a $10,000 check mailed to me. Never got it. 5 years later I get a letter from a company saying my name had been turned over to unclaimed funds in TX. I told my bank never to mail my checks ever. I guess I am not the only one that has had problems because now everyone has to drive to the bank and pick up their checks. 25 miles for me but safer that way. The credit union should at least help you. Taking anything out of a mailbox is a federal offense. You put it up but then it is the property of the post office. Someone ran over my mailbox and I had a note saying until I got it fixed, I could pick mail up at the post office. They were a lot of help. One last thing, at a larger post office, you might be able to file some kind of charges, not sure. You are going to have to stay on this because I can assure you that no one thinks it is a big deal like you do!! |
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 Horsey Gene Carrier
Posts: 1888
        Location: LaBelle, Florida | Calling daily and getting the run around... |
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Elite Veteran
Posts: 634
  
| Once that money leaves your bank account, its gone. There is no way to expedite the process of having a claim against money leaving that bank account and then being replaced by your bank, there are rules and laws that go on behind the scenes that have to confirm it was indeed fraud and all that compliance stuff. It might be only 5 or 6 days if you are lucky but you will get it back in 7-10 BUSINESS days. I'm sorry this happened, it sucks. The good thing about what they did though, is they wrote the checks and deposited or cashed them somewhere and I would be more than willing to bet there are cameras at said establishment so probably a pretty high chance of them catching this individual eventually. |
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  That's White "Man" to You
Posts: 5515
 
| Just be patient for a couple days. The bank will return them as fraud to the bank they were deposited in. Your bank needs the money from the other bank first, then they will credit it to you. The police investigation is completely different from the banks investigation. What you should expect: your bank to confirm the check(s) have been returned. They should also give you and estimate of how long it will take to credit your account. Lastly, credit unions are the worst run financial institutions. They might be cheaper because we all (taxpayers) foot the bill, but they really have no business doing the business they claim they can do. |
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 The Vaccinator
Posts: 3810
      Location: Slipping down the slope of old age. Boo hoo. | We write very, very few checks these days -- we pay everything possible with an AmEx credit card (AmEx has a superior fraud department). We buy groceries, gas, everything via that card. When a check is needed, we use our bank's on-line bill payment system (they issue the check and mail it). Besides having the great anti-fraud department behind us with AmEx, we earn cash bank on that card. And - the AmEx year-end spending summary is wonderful - our accountant loves it. |
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 Horsey Gene Carrier
Posts: 1888
        Location: LaBelle, Florida | I guess I'm going to have to give up writing them. I only write maybe 2-3 checks a month if that. Enough that I felt I still needed them. I have had my card skimmed in the past too. My husband is with the same credit union with his own account and uses a card exclusively....NEVER has he had an issue. I did call the postoffice to let them know something had been stolen from my mailbox, they referred me to the police department. |
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 Take a Picture
Posts: 12841
       
| kasaj2000 - 2022-08-26 4:25 PM
I guess I'm going to have to give up writing them. I only write maybe 2-3 checks a month if that. Enough that I felt I still needed them. I have had my card skimmed in the past too.
My husband is with the same credit union with his own account and uses a card exclusively....NEVER has he had an issue.
I did call the postoffice to let them know something had been stolen from my mailbox, they referred me to the police department.
I have to write several a month too. There are bills that I have to pay by mail. That happens when you live in the sticks. |
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