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  1. #1
    Join Date
    Jul 2019
    Posts
    1

    Default Bank Made Unauthorized Transaction on My Account

    My question involves collection proceedings in the State of: Kansas

    I am being sued for a debt. The court date is July 16, 2019. On Friday morning, July 5th, the balance in my checking account was $3.24. The bank wrote a counter check, also on July 5th, to the creditor for $150 which they subsequently cashed and charged me for NSF as well. The creditor does not yet have the judgment. How is this possible?

  2. #2
    Join Date
    Oct 2016
    Posts
    3,292

    Default Re: Bank Made Unauthorized Transaction on My Account

    Quote Quoting tippy
    View Post
    My question involves collection proceedings in the State of: Kansas

    The bank wrote a counter check, also on July 5th, to the creditor for $150 which they subsequently cashed and charged me for NSF as well.
    You are going to have to explain that one. Did the bank actually just write them a check on your account or was it an ACH that you had previously authorized.

  3. #3
    Join Date
    Oct 2006
    Posts
    15,663

    Default Re: Bank Made Unauthorized Transaction on My Account

    Quote Quoting tippy
    View Post
    My question involves collection proceedings in the State of: Kansas

    I am being sued for a debt. The court date is July 16, 2019. On Friday morning, July 5th, the balance in my checking account was $3.24. The bank wrote a counter check, also on July 5th, to the creditor for $150 which they subsequently cashed and charged me for NSF as well. The creditor does not yet have the judgment. How is this possible?
    You go into the bank (not over the phone but in person) and ask for an explanation for the unauthorized withdrawal.

  4. #4
    Join Date
    Mar 2013
    Posts
    17,212

    Default Re: Bank Made Unauthorized Transaction on My Account

    Does the creditor happen to be a credit card issued by the same bank?

    If yes, then the payment is explained by the bank's right of set off that is explained in your card or account holder agreement.

  5. #5
    Join Date
    Jun 2014
    Posts
    3,082

    Default Re: Bank Made Unauthorized Transaction on My Account

    Ask to speak to a Bank Officer when you go to your bank.

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