I deposit A check for $20,000 on friday 4-30-04 at about 5:00 p. M on Tuesday 5-04-04 the bank system shows that the check has cleared and i have a balance of $22,000. I make an on line payment for $5,000 on wednesday that clears. I also send out a payment by mail for $15,000 and my mortgage payment for $1500 that wednesday. On saturday when I go to make another deposit and a withdraw transaction the atm machine gives me a statement with an overdrawn account of -$63, at this point I can't withdraw money. I then try to use my wells fargo credit card which I also use as my overdrawn protection. My credit card is also declined because my checking account had been overdrawn therefore, my credit card had been maxed out.
I called the bank they state $20,000 check did not have suffcient funds i asked why did it show that the check had cleared on 5-04-04 they stated that the bank will sometimes give you the funds? It turns out i was stuck without money and without any income source this mothers day weekend, I also found out I have a few bounced check, late fees, and overdrawn fees do to this problem. All because there was a bank error although, the bank claims they have not done any mistake on their behalf. If anyone has any help, solution, or answer for this issue, headache, problem, please help.
Ruben
California
U.S.A.
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