Bank Of America gave me a counterfeit $100 bill, and they won't take responsibility for it.

MMX · 2 years

I work at a bank (not BoA). I started out as a teller, though I am not one anymore. I have a few thoughts:

I know of no bank that logs the serial numbers of their bills. This sounds like absolute bullshit. Unless you are in some branch (usually rural) that has an extremely small customer base, this is impossible.
Further, while I could see it possible that they log serials of numbers that come in from the fed (again, ONLY if a very small bank who keeps very little money on hand), a counterfeit bill would very likely not be from the bills they got from the fed. My bank routinely got in hundreds of thousands in 100's a week and it would have been impossible to log them all. The only serial numbers that are logged are "bait straps" (to catch robbers) and this is usually just one strap of bills (usually 100's or 50's) in the teller's drawer. Either the cop was lying to you, or the asst. manager just showed him the bait strap log, which tellers do not hand out anyway because it would defeat the purpose.
I highly doubt the teller is passing fake bills, as this would repeatedly happen to them and the bank would probably have caught on now. More than likely someone else deposited a counterfeit bill and the teller did not catch it. At that point, one of two things happened: the teller was oblivious and passed it to you unknowingly, or they discovered their mistake, and passed it to you anyway because they didn't want to post a difference on their drawer (when your drawer is off by $100, there's usually some form of small disciplinary action involved). Either way, the teller is going to strongly deny it. I would probably lean towards the first option. In all my years in banking, I can honestly tell you that 99% of tellers are extremely honest and deserving of trust. There are a few bad ones though.
Once you left the bank, you were screwed. As someone else pointed out, if you walked into any business and told them they gave you a counterfeit bill after the fact, they are probably not going to believe you. A bank (reasonably) has suspicion when someone says they gave them a counterfeit, because it's also a possibility they got it somewhere else and are just trying to get their money, somehow.

I think you are out of luck on this. There were a few times this happened at my bank (often the teller not catching the bill) and we usually gave the person their money and just took the loss. However, this was ALWAYS due to the fact that they were a customer, had been there a while, and kept their accounts in good standing. The fact that you do not have an account at BoA means they have no real responsibility to you, and I honestly feel that you are not going to get your money back. Not meaning to be a dick, it's just how I feel, having experience in the field.

rajwebber · 2 years

Just off the top of my head, if out of $1742 you got $100 that wasn't recorded then you have a request for $1742 but were only given $1642. Could you not use that discrepancy to show that it was the teller's fault?

tsoldrin · 2 years

One of the tellers took it without checking carefully and then had to pass it off to someone or be liable. Cameras might show the person examining it at one point, realizing the error and returning it to the drawer, but I don't know that you'll be able to get the cops to get the footage.

Whatever4ever · 2 years

Submit your story to consumerist: http://consumerist.com/
Find the email/phone number of the highest-ranking manager you can: branch manager, CEO, President, whatever. Pester, pester, pester.
Good luck.

jellicle · 2 years

Nobody seems to have figured it out, but here's how it went down once the cops arrived:

Cop: What's the deal?

Asst Manager: This guy is trying to scam us.

Cop: Okay, I'll make him go away. No problem, sir.

Cop: Hey buddy. I talked to the Asst. Manager, he says that they checked over the logs for every $100 bill and yours isn't in there. Go away or I'll arrest you.

Submitter: :(

Cop to Asst. Manager: Heh, I told him you had logs of every bill, and he shut right up. Stupid scammer.

Asst. Manager: LOL, logs of every serial number.

If submitter goes back and makes more trouble, 10-1 odds he gets arrested and charged with trying to pass counterfeit currency.

This isn't just, but it's a factual summary of the situation.

hyperkinetic · 2 years

"they looked over the logs for every $100 bill that they handed out, and the bill's serial number that you had was not in their logs."

I call bullshit on the notion that the bank logs the serial numbers of EVERY bill they handle. Is this done by hand? Do they have a machine that records this information? Get a copy of the records for the day in question. Get a copy of the police report. If no such records exist, and/or if there are any discrepancies in the police report, take both the bank and the police to small claims court as the colluded with the bank to cover their tracks. Be sure to document ALL your time in pursuing it through the courts. Those hours are can be reimbursed in your judgement. It always pays to seek the maximum in your state as damages. Let us know how it all turned out!

Even if you lose, you'll have cost the bank and police hundreds in defending themselves.

miz_k · 2 years

As a teller, I can tell you that:

There is no possible way of keeping a record of all the 100's that are given out. That is out and out BS. If you can take BofA down with that statement, GO FOR IT!!
He/She (the teller) probably took in the bill from a previous customer. I highly doubt that they (the teller) are trying to scam you. I am guessing that the bill looked like a real one and was deposited with a bunch of other bills. It would be hard work to scam people like this and the teller would get caught in no time if this were the case. In all the years that I have been a teller, I have seen about three counterfeits and live between Detroit and Chicago.
The bank is not liable for the bill once you have left the premises. I hate to say it, but if someone came back after being gone for a while, I wouldn't believe them either. I once had a guy come in with a 20 that was torn in half (literally in half, non of the other side of the serial showing) and said that a teller gave it to his half blind grandma. Yeah, right. I think we know when a bill is not solid (we wouldn't have taken it in the first place). Told him to come back when there was a manager. Needless to say he didn't. Anywho, moral of the story is check your bills while at the teller window. ESPECIALLY when receiving that much cash.
Fighting all of this will likely get you nowhere. I know that it hurts to hear, as you are likely out the hundred bucks, but you are up against a powerhouse that will crush you in court. Chalk it up to a lesson learned because it will cost you a lot more than $100 to get the $100 back. Also, if you got a fake bill from your local grocer you would have the same experience as you had with BofA. SOL.
Join of fucking credit union. They often have (as I do) the discretion to not hold checks. I would never ever hold a student loan check as they are often guaranteed by the college. Even if they do hold things, they are more willing to work with you and at least give a good part of the money.

themcp · 2 years

1) Call the treasury department and report it, in case the local police didn't. Tell them you're frightened and that the local cop has threatened you with jail - which he did, by telling you you could be held liable. Point out that you have no reason for trying to pass one counterfeit bill when you're depositing 20 legitimate ones. 2) Close any and all accounts you may have with Bank of America. 2) File suit in small claims court against Bank of America for the $100 plus the cost of the court filing fee. Trust me, it'll cost the bank at least $500 of lawyer time just to show up in court to defend themselves. Getting a judgment against then would establish that they're responsible. Getting a settlement from them would also establish that they're responsible. Send them a polite letter stating that you're sorry you have to sue but you're out $100 and it's their fault and you'd be happy to settle the case for the $100 plus the court fee, and then they wouldn't have to spend time and money going to court.

adamsfan42 · 2 years

Bank of america doesn't accept responsibility for anything. the only time i ever over drafted an account in my life was was 2 weeks into using bank of america. i paid cash for some checks and they double charged my account with out telling me. when i brought this to their attention they basically said i was lying and charged me $50. i paid it and closed my account.

Itkovan · 2 years

"they looked over the logs for every $100 bill that they handed out, and the bill's serial number that you had was not in their logs. In fact, there's no record of it whatsoever."

If this is true that's all the evidence you need. They will have recorded the serial numbers of 16 $100 bills, not 17. Either way the bank manager fucked himself with this statement - if he does have the records it proves you right, and if he doesn't then he lied to a cop and cannot be trusted - this should be enough to sway any neutral third party.

publius_lxxii · 2 years

Somehow I think by this story hitting reddit, BoA is going to be out something worth more than $100 - public goodwill.

greenRiverThriller · 2 years

I had two incidents with Bank of America which has led me to move my account elsewhere. Though both incidents were discrepancies of a far lesser amount than $100--actually they were both under $1--the principle was enough for me to close my account.

Incident 1:

I had a MasterCard account open through BoA. I set up the online payments to pay the full balance before the due date. The payments were to be taken from my checking account. After a few months I noticed that my credit card balance was -$45. That's right, I was owed $45. The online bill pay was automatically paying the "minimum" amount due, $15, on a $0 balance.

I went to my branch to solve the problem and was told that it wasn't their problem and that all credit card accounts were handled via telephone. I asked the teller at the BoA branch to call for me, she refused.

On my drive home I stopped off for some gas and used the card; I figured that would get rid of most of the $45. I was able to fit $44.14 worth of gas into the tank.

I called to cancel my account, which of course, they tried to prevent. After I convinced them I didn't want the account, I hated the bank, and didn't care for the accrued points she agreed to cancel my account. I asked if the $0.86 the bank still owed me would be deposited directly to my checking account at Bank of America, or if they would issue a check. She claimed she didn't know how to issue a refund, and then tried to convince me to keep the account. When I said that wouldn't do, she said "well, it's only $0.86." After arguing with her and her supervisor, I was promised a check.

Incident 2: After the first incident, I had planned on closing the account when the opportunity arose. My current bank had a promotion for a $50 Amazon gift card for new accounts, and I would be transitioning employers when the offer was valid.

I went into the bank to close my account. After the standard customer retention bit, they agreed to close my account. I asked for a check, because I wasn't exactly excited about carrying a few thousand dollars in cash around. They said they didn't do that (which I find hard to believe) and said they only give cash. Fine. I guess I'll have to go straight to my new bank and open an account.

The teller comes back with a stack of cash. Found it a bit odd that there was no change in there, my account balance did end with $4.96. She gave me an odd look when I asked, but then replied they rounded to the nearest dollar. I counted the smaller bills to verify and found there were only 4 one dollar bills. If they rounded, there should have been five or a $5 bill. I explained that this was not rounding, but truncating and that I wanted the $0.96, or, as their apparent policy states, $1 that the bank owed me.

In the end, the $1 was well worth the 20 minute argument I had with the two tellers and bank manager.

MidnightTurdBurglar · 2 years

This story pissed me off. There's nothing worse than being a responsible citizen only to have the system spit in your face. There's two possibilities here: most likely, as someone else said, it was given to the teller earlier in the day and passed along to you (knowingly or unknowingly), OR the bank teller him/her-self is passing the fake bills. I would have thought that Bank of America would care about a potential felon working for them. Guess not. I hope you get some justice.

Deetoria · 2 years

It seems to me that if they gave you a couterfeit $100 bill and have no record of that bill, then they short changed you $100. I would be curious to know what the serial number of the bill their records say they gave you is and if you have that in your possession.

[deleted] · 2 years

If they claim to have logs of all the bills they've given out, then they should have logs of the bills they actually gave you. Check them, and if they only have logs of giving you $1642 for a $1742 check, they still owe you a hundred bucks.

BamBam-BamBam · 2 years

Report them to the Secret Service for passing counterfeit currency.

EDIT: I believe the "logging" of $100 bills to be total bullshit. I've never seen a teller record the serial number of a bill when it's deposited.

[deleted] · 2 years

Upmod for negative publicity for Bank of America. I can't stand Bank of America and happily left them a few months ago.

Fraude · 2 years

Think this is a lot tougher call than it seems. If someone walked into my place of business and said, "Hey, you gave me a counterfeit bill. Give me a new one." I would probably turn them away too. Otherwise, it would be a pretty easy way to print a lot of bills and swap them out at banks/stores/whatever for real cash.

This isn't to say you should bend over and let them screw you. Definitely pursue a solution up the chain of command at the bank. Especially since the cops are now involved. If you drop it, they might think you were trying to scam the bank. My guess is the teller is stealing money. Ask them to look at the tapes of the transaction.

If they're too fuzzy you can always enhance a couple times...

Kijamon · 2 years

Haha we keep a track of every serial number of every 100 dollar bill, that's a great one

AlexKid007 · 2 years

Why haven't we all, or at least all of Reddit, boycotted this nasty corporation yet?

alienproxy · 2 years

My Guess:

The clerk slipped you the counterfeit and took the real bill from the bank. Every time he/she hands out a counterfeit, the customer is paid and satisfied and leaves feeling secure, and the teller can then pay themselves out from the bank drawer in authentic cash.

Of course they have no record of the counterfeit serial number. The felonious clerk has that bill.

MrVagabond · 2 years

If you left the building, the employees have no way of proving that it was a bill they gave you. For a single $100 bill the police are not going to care enough to get video footage or deal with it much at all. Most likely, you will be out $100 and there really isn't much you can do at this point.

In the future, for any large withdrawals, recount the money back out in front of the teller and check for any counterfeits. $100 bills are easy to verify. Rub your thumbnail across the dollar amount in the lower right corner and if it feels bumpy you're good to go. Also hold it up to the light and check the security strip and make sure the amount on the strip matches the dollar amount of the bill. $100 bills have the strip on the left of the portrait.

hibryd · 2 years

But not everybody carries a counterfeit detection pen with them

PSA time: do not rely on these pens. I have seen counterfeit bills pass them.

A few months after the new 100s came out we got a batch of counterfeits at our work place. They passed the pen test. They had a watermark. They had what looked like microprinting.

They did not have the blue and red fibers in the paper. They did not have the embedded security strip. And while there was raised ink stamped in the corner, it was NOT prismatic.

To this day, whenever I get 100s from a teller, I tilt the bills to check the prismatic ink and then hold them up to the light before walking away.

KineticShampoo · 2 years

HERE'S HOW YOU SOLVE YOUR PROBLEM.

Remember the day and time you went. (Monday 2pm). Go back to the back at that time and remember what window you went to. You'll most likely see the same woman that gave you the counterfeit bill. Commit her/his name to memory and write it down. Call the treasury department and report the incident. If you have the receipt of the transaction check how much money it states they gave you. ?????? Profit.

Also, bacon.

lambardar · 2 years

wow..

my accountant once withdrew some cash from a local bank and he got a couple of fake AED 500 bills (~ $137).

comes to the office and puts the cash in the safe box. Next day he goes to clear an invoice with a local retailer and finds out that the bills are fake.

so he goes back to the bank and the bank replaces the bills. this is like almost after 24 hours! He told me that once he realized they were fake, the bills seemed a lot bigger.

It did surprise me though that bank never questioned. then again this is Dubai.

PS. the serial log of every bill is BS. usually tellers do withdraws with bills they just received.

pbuschma · 2 years

It does not help that your username is IllegalBeagle

EDIT: spelling

misterQ · 2 years

Bank of America? Responsibility? Ha ha ha ha!

Conzen-66Y · 2 years

I've been burned by BOA many times. This doesn't surprise me. Up-voted so the word gets out.

andbruno · 2 years

IANAL, but it sounds like you're screwed.

I honestly can't think of one single way you can prove they gave you this bill.

tmoraca · 2 years

Hmm, I learned my lesson on this one by working at the bank. I received a fake $20 bill from an atm at another branch of the same bank I was working at. I knew it was fake immediately, went inside the branch to tell them, though I didn't expect much knowing the extensive paperwork that goes with reporting a counterfeit. They said there was no way I could prove it, so I passed it off within a week at a dimly-lit bar. Great system we've got here.

SIL40 · 2 years

This actually happened to me once when I took out some cash from an ATM owned by the Royal Bank of Canada.

It was a Canadian $20 that I only found out was counterfeit once I went across the street to McDonald's.

The bank ended up insisting they would do an investigation into the matter but nothing ever ended happening and I was out $20.

jtjathomps · 2 years

Small Claims Court. Fun. You will get your court costs too.

topcat5 · 2 years

I keep wondering why anyone continues to do business with BofA.

seanmcq · 2 years

Don't fight the system, you will lose. However, if they did not confiscate the bill on the spot they're definitely fishy and you should get the SS involved.

[deleted] · 2 years

I am a journalist in Florida. We had this exact same thing happen here with a guy who works for a homeless coalition and a 100 dollar bill. GET THE MEDIA INVOLVED! Call the newspaper and the tv stations and tell them your story. Media pressure will get them to buckle. It worked for the guy we interviewed. Start raising Cain and take to the public forum. Keep us posted.

J

illskillz · 2 years

Ask to speak to the manager. Tell them all the places you've posted/will post (including the consumerist). It's not rational for they not to pay you back. It would be a horrible business decision not to do so.

Igdrasil · 2 years

Once you walked out of BofA, you were screwed.

likeagoodwomanshould · 2 years

Go back to the bank when they're open and tell the manager that they're taking the bill back or you're reporting it to the Secret Service, at which point there will be an investigation involving the bank.

[deleted] · 2 years

I wonder if the teller swapped one of the bills

HotelCoralEssex · 2 years

Call the local USSS field office, be sure to give them the transaction receipt.

Suppafly · 2 years

Call the secret service, I believe they are the gov't branch that deals with counterfeit money. Also, I've never heard of a bank recording the serial numbers of the bills they hand you. They might record them when they receive them or at the end of the night or something, but when they hand them to you, they just count them out and hand them over. Most likely they received a counterfeit bill for another customer and pawned it off on you.

Might try suing them in small claims court, it has certainly hurt your reputation.

Morgmeat · 2 years

Have them go over the video evidence? Find what teller you were at, and go over the logs of his or her window.

PlasmaWhore · 2 years

I had a similar situation back in december, but it wasn't with a bank. I bought some tire chains thinking I might need them and then went to return them the next week without ever even opening the bag. The guy at the store opened them before doing the return and they had been used. He claimed I used them and I couldn't get a refund.

I'm reminded of this because I also walked out with something I thought was good, but later found out it wasn't and there was nothing I could do about it. I complained, called the BBB, wrote to the consumerist, etc, but I still have the rusty old chains.

ElephantGlue · 2 years

Use it to buy your weed. Problem solved.

Vocalities · 2 years

I've heard many horror stories about Bank of America. This one is nothing new really.

Fucking terrible bank.

[deleted] · 2 years

its possible the teller in either bank slipped a fake $100 into the pile and took a real one out of ur pile.

quickpost · 2 years

Two Words: Strip Club.

redbird84 · 2 years

Ive read through a few comments, and Im too lazy to read through any more so if this has been suggested I apologize.

Here is my question. Every time I cash a check (usually under $100) the teller counts it out in front of me, laying each bill down on top of the previous one. I mean thats pretty standard change counting procedure.

And every bank Ive ever been to has 8 zillion cameras. And at least was on that teller, and thus on her counting out your money. To help prove your cause, just ask the teller or the police to review the footage. While it doesn't necessarily prove you got the counterfeit from them, it does prove you did get a full $1742 and that the teller counted fast enough it is more than plausible he/she easily missed it. And if a trained bank agent couldn't/didn't catch it, how would someone not trained to work with money catch it? At the very least it would bolster the claim to your innocence.

[deleted] · 2 years

Next time, just use the fake one to buy some weed or something.

[deleted] · 2 years

There may still be fingerprints from a bank employee on that bill, so I would stick it in a plastic bag (with gloves on, of course).

Hope this helps.

There isn't too much protocol with this type of thing, seeing as it's illegal and all. Just stick to your story, and let us know how it goes.

[deleted] · 2 years

I go back to Bank of America, but they outright reject me, claiming that they have no proof of where I got the bill from, and that they hold no responsibility for the money as soon as I exit the bank.

Ok, this makes sense to me. How do they know you didn't swap the bills?

Looks like you possibly got ripped off by a teller or some low level employee. Good luck proving it. :(

From what you posted, though, I don't think BoA necessarily acted inappropriately but there is something fishy going on.

PhillipJFry · 2 years

Okay, how do we know that the teller didn't pocket his real hundred and give him a fake one? Seems pretty easy to do, right? At the beginning of the day you put the fake one on top of the stack of hundreds at some point, and after you give it out, you get to keep a free hundred at the end of the day. Wait for someone who requires a large amount of cash and you win!

I know we all hate BOA, but I think I'd present them with this scenario and ask them to check the security tapes of the teller.

tazadar · 2 years

Put in $100 bill in a plastic bag. Get finger prints of the teller that handed you the $100. There should be fingerprints of bank workers who touched it. Then the SS or police should know if the $100 bill came from the bank.

khyberkitsune · 2 years

Get the bill fingerprinted and then have the teller that handed you the bill fingerprinted. Instant proof the teller handed it to you or handled that bill.

geeeeoffff · 2 years

the secret service is the agency to call. call your local field office believe me. i remember reading a story where some best buy manager thought there was no such thing as a 2 dollar bill, and the Secret service came RUNNING. so i'm sure they'll be all over this.

you may not get your real 100 bucks after this, but if boa isn't properly checking for counterfeits the service needs to know.

Liesmith · 2 years

I have a strong reason to believe that the counterfeit bill was given to me intentionally

What is that reason?

Shalmander · 2 years

Bank of America is the worst possible bank you can deal with. Stop going there. Doesn't help your current situation. Just trying to persuade people away from them.

[deleted] · 2 years

Time to deposit it along with your other deposits at the atm. Give it back to them.... maybe they wont notice. :)

DrunkMonkey · 2 years

FYI: Counterfeit detection pens don't do shit. They have iodine to detect starch present in cheap paper, but it isn't very hard to buy good paper when you are using it to print money.

The Amazing Randi said so

p0gmoth0in · 2 years

its a GOD DAMN CONSPIRACY

watch your back I tell you.

[deleted] · 2 years

Why don't you just spend it? Go onto the Consumerist and find the nearest douchebag store, and spend it there.

[deleted] · 2 years

Handling large amounts of cash without taking appropriate precautions is always risky. It doesn't matter if the cash is changing hands inside a bank. Realistically, that note probably passed many times before it was caught by your teller at M&T.

Next time, instead of being impatient and insisting on going to a bank at which you are not a customer, having some random teller you've never met cash a large check for you, and accepting the cash without properly inspecting it first, let your bank handle the transaction. That's their job.

efrique · 2 years

You have two ways to go. You call the Secret Service, or you call the media.

If you want some form of restitution from BoA, the media is probably a better bet. It may take several tries before you get someone interested.

HighlyToxyc · 2 years

Like you, I have often cashed my student refund at the bank where it was drawn (Wells Fargo). I do this because I hate Wells Fargo and I feel like maybe I can slowly bankrupt them like this. Before leaving any bank though I always check the stripe on any bill larger than $20. Once my student refund was $3600, it took quite a while to check each $100.

A couple times they've made comments and I just say "Yeah, I've read horror stories about counterfeit bills on the internet...."

meox · 2 years

BofA is so shitty. I went to their career presentation and just zoned out and ate free food at my university.

[deleted] · 2 years

You are always better to try to pass it off to someone else instead of telling the truth. Reason being you will never be reimbursed by the bank.

skooma714 · 2 years

Congratulations! You are the winner of the Go To Jail Sweepstakes! Enjoy a minimum sentence of 2 years in federal prison!

theclansman22 · 2 years

Buy your next bag of weed with it. Chances are your dealer won't know, and will just throw the money in with the rest of his money and will have no clue who gave him the fake once he figures it out.

Problem solved.

selftitled · 2 years

my dad works for a company that makes the software for bill machines (those things that take your bills when you buy snacks, metro tokens, etc. i don't even know the proper name.) anyways, they get real bills shipped to them by a bunch of banks from all over the world to test their software. a few months ago they encountered a fake US bill that their machine rejected, so they took the counterfeits to the police (this is in Canada btw). the first officer they talked to wouldn't accept them and told them to wait for the next officer, maybe he would take them. the second guy didn't know what to do with them so he didn't take them either. he told them to talk to the central bank in US, as it was US currency. the central bank told my dad to fly to over there and bring the bills. he brought them, the guy at the bank looked at them and said that he couldn't even tell if they were fake or not because they were that good, and thus didn't know what to do with them. i think then they were told to contact the FBI. well, point is, fake bills=you're fucked.

[deleted] · 2 years

Since they're obviously fucking stupid, open a checking account with it.

LiberalEnchant · 2 years

looks like you got screwed

miosis · 2 years

Did they let you keep the fake bill?

gustoreddit51 · 2 years

Oh you poor boy. First, stop talking to police without a lawyer. For future reference see a lawyer BEFORE you see a cop if the matter is civil in nature (money and not someone clubbing you over the head).

Next, retain a lawyer. If the cops call you just refer them to your lawyer. Yes, this IS going to be expensive but your alternative is going up on counterfeiting charges and my friend that is a world of very bad hurt. VERY bad hurt. They will dismantle everything you own, review every financial transaction you or your family/friends have ever made, etc etc etc.

Please don't try to "ride it out" on your own. You NEED legal representation.

andyfsu99 · 2 years

From anyone else's perspective: You're not a customer and walk into a BOA branch insisting they replace a counterfeit hundred with a real one, because they gave it to you. Riiiiiight. They even made a good faith attempt to determine if they gave you the bill.

You were screwed, but they would be scammed 6 ways to Sunday if they listened to everyone with a similar story.

Also, WTF would you cash it at BOA and walk across the street to "your" bank? Something's funny about your story.

lrpiccolo · 2 years

Same thing happened to me once. I got a $100 bill from BofA which turned out to be bogus, and when I called them to ask how to exchange it for a real one, they said that I should turn it in to them so they could destroy it. Yeah, and without giving me a new one. WTF!!?

A few days later, I tucked my hair into a baseball cap, put on sunglasses, and went into an entirely different bank in another part of town with that $100 and two $50s, then asked to exchange them all for $20 bills. The cashier gave me ten twenty dollar bills, and I ran out of there without looking back. I know I just passed the buck (literally) but I was only about 20 at the time, and just couldn't afford to have that much cash just vanish.

I'd be suspicious that they really do track all the serial numbers of each $100 bill. That sounds like a bunch of bogus ass-covering to me, unless there's a bank employee out there than can say otherwise.

cairo140 · 2 years

I don't think Bank of American gave you a fake $100 bill. I think a sneaky teller gave you a fake $100 bill. Your situation sucks, big time, but at least try to see the Bank of American AskReddit post: "Some college kid game into the bank today and accused us of handing out a fake bill, even though our records show us handing out all real bills." I don't think there anything you can do now, but I don't see a principle in fighting for this.

sublimeone · 2 years

BoA once refused to cash a printed payroll check drafted on an account from their bank and I had an account with them myself. The teller said that my drivers license and their bank issued photo check card was not sufficient to satisfy the two ID requirement of the patriot act. I told her I wanted to speak with a manager. The manager treated me like I was scum and proceeded to tell me about the Patriot act and how her bank went by the letter of the law. She talked down to me and I was pissed off. I told her to go to hell, which is where we live here in the US, and promptly walked outside and withdrew 400.00$ from my bank account, the next day I went to the other branch in my town closed the account and filed a formal complaint against the teller and the manager. Needless to say I will never deal with BoA again.

Thistleknot · 2 years

Dude, just pass on the bill like it was passed on to you.

megalencephal · 2 years

i would have never got the police involved. they can only do one thing well, and that is beating tazing and shooting people. next time this happens just try spending it somewhere until someone takes it.

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