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Remote Deposit Question

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1 reply to this topic

#1 whall1970

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Posted 22 March 2018 - 02:27 AM

my friend wanted me to ask a question.  She lives in California but her bank is back in Ohio where she is from,  she remote deposited a check for 1250.00 and they made it available to her immediately,  so she used it,  the check was returned insufficent funds.  Since she deposited it on her mobile phone in california but her bank is in Ohio,  what could they do to her legally ?  I told her they probably close her account and report it.  But since she lives in California about the most they can do to her legally is civil action,  demand payment,  and maybe turn it over to Check Program State Attorney? ,  but I was reading the remote deposit is hard for them to do much since the bank takes the risk with offering it.   any advice for her?  she did not do it intentionally,  she was suppose to have a direct deposit from her other account but it did not show up

#2 tmcgill

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Posted 22 March 2018 - 06:15 AM

Possible Recovery Actions:


This happens often, but agreeing to the account terms means she is legally responsible for the deposits into the account.

The bank may close her account and report her to Chexsystems and/or Earning Warning Services (EWS).

In addition, they could assign it to a collection agency, and the charged off account could show up on one or more credit reports.


Legal Action:

They could assign it to a local law firm in CA, whose attorneys are licensed in that state.

Edited by tmcgill, 22 March 2018 - 06:17 AM.

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