My question involves a banking matter in the State of: CA
I hope I'm posting in the right forum. I'm a little confused.
A refund check made out to me was sent to an address that I hadn't lived in for over 5 years. The new resident or someone with access to her mailbox apparently cashed the check before I found out about it.
My question is - how could the bank cash my check without an id? (And given my rare, ethnic name, I'm sure she couldn't have had an id for me!) Is the bank liable at all for cashing the check without verifying her id?
Secondly, how do I get this money back? Do I go after the bank or do I go to the police? Unfortunately, the person who made this check out to me is not willing to help me out, claiming that I only received a 'refund' out of extra consideration for my financial situation and that they didn't HAVE to give me a refund in the first place!
So I need to sort this out by myself.
Please advice. Thank you very much!