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So, this early twenty-something year old comes in to deposit a check on his account that is written off of his dad's account, which is also at our bank. Well, the check is particularly large, though there is plenty of money in the father's account to cover it. However, the teller he comes up to recognizes him because earlier that same day he'd come in to deposit a smaller check from his father... and she's pretty sure he was in a few days ago as well for the same thing. She checks the signature on the check and it looks good, but it still feels off to her, so she checks with a manager.
Manager says put the funds on hold for the two checks today (previous ones have been spent) and we'll call up the father for a confirmation. Touch risky, because the son has left and if he gets a fee because we put a good check on hold without notification, we have to refund (even if it's not our fee). Plus bad customer service.
But they do manage to get in touch with the father and explain that they had the funds put on hold for security and just wanted to make certain all was right and well with the world.
Well, it is NOT all right and well. Father informs us that he has not written ANY checks to his son.
Research time!
Turns out, son took a number of random checks out of daddy's checkbook and has been forging the signature rather well to gain himself some extra cash. Well, the current check deposit we can, and do, void. But this has apparently been going on for well over a month without being noticed, and the other money is long, long gone.
And here comes the customer rant.
Because daddy wants his money back. Understandable. I'd be pissed myself. But the bank isn't going to just GIVE him the money. Only thing we can do is void the deposits for the two checks that day that hadn't already been spent. It's fraud, that seems clear, but he knows exactly who stole the checks and the money. And that means, in order for us to recover his losses, he MUST file charges.
And darling son has gotten away with enough money over the past month for that offense to be a felony.
Daddy doesn't want to file charges against his own son. That's fine. Such is your choice. But then you don't get the charges refunded.
No, it doesn't matter that we know, now, that you didn't write the checks. If you don't prosecute, you are officially gifting your son that money after the fact. Work it out with him to try to get it back, cause the bank ain't doing it for you.
Let me repeat. NO. We are NOT going to simply give you back that money. You must do a fraud dispute, and one of the REQUIRED elements to that dispute, when you know the culprit, is to contact the police, file a police report and FILE CHARGES. Your son has committed fraud against you. Prosecute, and we return the money and pull the son's account negative by an amount that will likely never be recovered and the bank will take the loss. Do not prosecute, and it is no longer our concern. (Except we can refuse to do business with your son anymore. And good luck at the same thing being caught if your son opens an account elsewhere to cash your checks.)
I mean, I feel bad for the guy, but he yelled at my manager for close to an hour over this. And it was awesome assistant manager too, so I ended up feeling for her a whole lot more than him by the end of it.
Manager says put the funds on hold for the two checks today (previous ones have been spent) and we'll call up the father for a confirmation. Touch risky, because the son has left and if he gets a fee because we put a good check on hold without notification, we have to refund (even if it's not our fee). Plus bad customer service.
But they do manage to get in touch with the father and explain that they had the funds put on hold for security and just wanted to make certain all was right and well with the world.
Well, it is NOT all right and well. Father informs us that he has not written ANY checks to his son.
Research time!
Turns out, son took a number of random checks out of daddy's checkbook and has been forging the signature rather well to gain himself some extra cash. Well, the current check deposit we can, and do, void. But this has apparently been going on for well over a month without being noticed, and the other money is long, long gone.
And here comes the customer rant.
Because daddy wants his money back. Understandable. I'd be pissed myself. But the bank isn't going to just GIVE him the money. Only thing we can do is void the deposits for the two checks that day that hadn't already been spent. It's fraud, that seems clear, but he knows exactly who stole the checks and the money. And that means, in order for us to recover his losses, he MUST file charges.
And darling son has gotten away with enough money over the past month for that offense to be a felony.
Daddy doesn't want to file charges against his own son. That's fine. Such is your choice. But then you don't get the charges refunded.
No, it doesn't matter that we know, now, that you didn't write the checks. If you don't prosecute, you are officially gifting your son that money after the fact. Work it out with him to try to get it back, cause the bank ain't doing it for you.
Let me repeat. NO. We are NOT going to simply give you back that money. You must do a fraud dispute, and one of the REQUIRED elements to that dispute, when you know the culprit, is to contact the police, file a police report and FILE CHARGES. Your son has committed fraud against you. Prosecute, and we return the money and pull the son's account negative by an amount that will likely never be recovered and the bank will take the loss. Do not prosecute, and it is no longer our concern. (Except we can refuse to do business with your son anymore. And good luck at the same thing being caught if your son opens an account elsewhere to cash your checks.)
I mean, I feel bad for the guy, but he yelled at my manager for close to an hour over this. And it was awesome assistant manager too, so I ended up feeling for her a whole lot more than him by the end of it.
Dad used it to pay some delinquent bills and get groceries, but still a crime and still almost a grand of charges once bro found out. 
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