My bank issued a credit of ,000 from my credit card to my checking account. I used a little over the amount, about 3.
This would have been no problem paying back the next week as i received checks from work and xmas summing up to 0.
A week later the bank reversed the credit w/out my knowledge on the basis of a “bank error”. Now left with a debt of ,343 on my checking account and an approaching departure date for a six month study abroad program the problem could not be handled over the phone (i tried). The bank teller advised me to simply wait until i returned to the states to handle the situation. I opted to leave the checks undeposited. Months later, I lost access to my checking account. As it turns out, any account left in debt longer than 4-5 months gets turned into a collection agency. in preparation for my return home I asked a friend to deposit my checks into my savings account, this way I could use my credit card (newly freed of dues) to pay for natural costs ie. international traveling taxes, food, etc. while still being able to avoid interest or late fees. To my surprise the collecting agency snatched all the money from my savings account before I could even transfer the money required to pay my credit card bill. I returned to the states with {content}. The next day I went straight to the bank and ordered they find the so called reciept of “bank error”. No one would help so I asked to speak with the bank manger that issued the credit to my account. There was no manager and the manager that issued the credit had been fired! Then I asked to speak with customer service which is apparently different from customer solutions and credit card customer service because I was on 4-way with all of them making them understand the dilema. The horror wasn’t that they didn’t see the banks error but that they couldn’t do anything about it because it was listed as a bank error. Meaning, only the specific bank that issued the error could reverse it. What was I supposed to do, shake the bank tellers until they fixed the problem?
Ideally, the bank should have noticed they made a mistake, reversed the ,000 back to my account reducing my debt to 3 an amount I could have easily paid obvioulsy within 6 months. This would have avoided my account going to a collections agency and would have allowed me to return to the states with the tools necessary to pay the remaining minute amount on my credit card.
It’s been a year now and because i work as a waitress i make cash. i keep the money in a drawer in my room until the end of the month and make money orders for all my bills. my credit is crap and i refuse to pay the bank any money until they fix the problem. the catch is that they won’t, what do i do, sue?

Related posts:

1. math question need help? Time Remaining: 1. All of the following are cash-substitutes EXCEPT:...
2. Need Help with Math…10 Points to the Best Answer!? 1. If your realized income is 4.26/wk, what is the...