AboutShane Expertise Hello, my name is Shane. I currently work at a financial institution in customer service and sales. I am able to answer most questions you have regarding banking products and services, how to use them, and what products may benefit you best. I can also help you to weigh the risks of various types of savings vehicles such as questions pertaining to CDS, money market accounts, etc. Feel free to ask and I promise I will do the best I can to answer.
Experience Customer Service and Sales call center experience. Assists in training new hires for customer service. Well versed with FDIC policies, banking compliance laws, and a wide variety of product knowledge.
Organizations American Association of Medical Assistants
Education/Credentials High School Graduate and Medical Assisting Diploma
Awards and Honors Significantly exceeds expectations annual review from the bank I presently work at
Question My dad and I opened up a checking account for me in 2001 when I was 16. It read: My Father's Name FOR My Name. When I was 17 there was a $25 check that bounced a grocery store in Kansas where we reside. I never received any thing about it in the mail and I moved out soon after. Now after at least 7 years I get a notice for garnishment in the mail. My father was never aware of it and neither was I. In fact we thought it may be fraudulent. So they are now wanting $965.48 for a $25 check on an account that has been closed since the bank shut down in 2002. It says there was a court dat in Aug. 2002 that I was never notified of and over $400 has accumulated in interest. HELP!!! I think they didn't go after my dad because they can't garnish his social security check (he's 70) so they went straight after me.
Answer this sounds very fishy to me, I almost wonder if the place claiming you had a "bad check" out there is fraudulent themselves. Generally, loss prevention will call you, mail you, attempt to contact an employer of all people on the account. I would check into the legitimacy of this claim. also, you should have been given a subpoena for any court date involving you. I would also check your state laws for statute of limitations. I have been in banking for 5 years now, and have never heard of it being handled this way. Most banks, if the loss is minimal ($25) would just write it off to a loss and put you in collections (at most). however, in this case, if the check bounced there was no loss to the bank other than their overdraft fee. I would highly recommend looking into this more
