Can a bank employee do this?

[lanejudy]

I just went and checked myself. The receipt from last week does indicate it was taken out of the account he wanted it taken out of so he would have had no idea that it was taken out of the wrong one until he saw his statement.

That makes no sense. Are you looking at the duplicate of the withdrawal slip in your father's records? You already said the withdrawal slip had the correct account. I asked about the transaction receipt -- the slip of paper the bank hands back to the customer with the cash. If the teller handed him a printed receipt that indicates the money came out of the correct account, but the statement does not match the transaction receipt, that's a much bigger problem.

 

[sam_gordon]

I just went and checked myself. The receipt from last week does indicate it was taken out of the account he wanted it taken out of so he would have had no idea that it was taken out of the wrong one until he saw his statement.

BTW I've witnessed this employee hassle him about the account when I've gone into the bank to do something and he has come with me. Like we were not even there for his banking and the employee was barely talking to me about my transaction and was like ya know we could do xyz with that big account and it would only take a few minutes. And when he said no then he told me that I should convince him to do it. I just said no he can make his own financial decisions.

So the receipt had the correct account number, but the funds were taken from a different account? Yea, a talk with a manager is in order IMO.

 

[Kooks and Bay Bay]

That makes no sense. Are you looking at the duplicate of the withdrawal slip in your father's records? You already said the withdrawal slip had the correct account. I asked about the transaction receipt -- the slip of paper the bank hands back to the customer with the cash. If the teller handed him a printed receipt that indicates the money came out of the correct account, but the statement does not match the transaction receipt, that's a much bigger problem.

So the receipt had the correct account number, but the funds were taken from a different account? Yea, a talk with a manager is in order IMO.

Yes I looked at the transaction receipt and it indicates it was taken out of the account he intended.
Like I said he went to the bank this morning to tell them and the employee he talked to which was a different employee apologized and didn't really have an answer of how it could have happened and he took the money from the correct account and put it into the account that it was incorrectly taken out of. Not sure how the paper trail goes for explaining why the money transfer was made (Like do they put in the notes mistakenly taken out of this account so money was transferred from the other account to this one)?

 

[lanejudy]

Not sure how the paper trail goes for explaining why the money transfer was made (Like do they put in the notes mistakenly taken out of this account so money was transferred from the other account to this one)?

The bank doesn’t need to notate a “why” when it’s between 2 accounts with the same owner. I’m just really surprised you don’t recognize it is a major issue that the bank provided a receipt showing 1 thing but the transaction records (statements) do not reflect the same. That is soooo much more of an important problem than an employee’s attitude.

 

[Kooks and Bay Bay]

The bank doesn’t need to notate a “why” when it’s between 2 accounts with the same owner. I’m just really surprised you don’t recognize it is a major issue that the bank provided a receipt showing 1 thing but the transaction records (statements) do not reflect the same. That is soooo much more of an important problem than an employee’s attitude.

I mean I did ask if this was normal/okay/does the bank employee have the right to do this? Which to me indicated that I felt like it was a major problem for the bank employee to take it from the incorrect account without my dad's permission/knowledge.

I was putting in the context about specific employee interaction to show that it seemed like he did it on purpose from some reason and wanted to know if he had the authority to do it on purpose?

 

[lanejudy]

I mean I did ask if this was normal/okay/does the bank employee have the right to do this? Which to me indicated that I felt like it was a major problem for the bank employee to take it from the incorrect account without my dad's permission/knowledge.

I was putting in the context about specific employee interaction to show that it seemed like he did it on purpose from some reason and wanted to know if he had the authority to do it on purpose?

Mistakes happen, whether accidental or on purpose (as you suggest), but there is always a paper trail in banking. It is so very highly unlikely that a teller would have any ability to modify the paper trail in the manner you suggest -- providing documentation to the customer that funds were withdrawn from account #1 but make the withdrawal actually hit account #2.

 

[Kelandsam]

Hold it. The receipt said the correct account and statement showed different? They’re both tied to the same core so that means someone reversed the original transaction and did another and suppressed it so it wouldn’t show on the statement. Check the original receipt timestamp as well as the one on the statement. They should be the same.

 

[tinkerbellandpeterpan]

Worst job I ever had. So many people yelling at me because I asked to check their ID when they were withdrawing cash and refusing to sign a check they wanted to cash and then immediately turn around and deposit the cash making twice as much work for me because they flat our refused to understand that the check would become available in their account at midnight and only AFTER that would any withdrawls come out so no, they would not be overdrawn. Just.....ugh.

To be fair (and I worked in banking) a lot of banks will apply the withdrawals first to cause OD(s) and associated fees and then apply the deposit. I've seen it happen.

 

[kyton]

It could have just been the case of putting the withdrawal code next to the incorrect account. Ie when I do a withdrawal for a customer it brings up every account they have. I then enter a specific code next to the chosen account. Sometimes if the customer is flustered and tells us the wrong details or even if I am rushing the code can be entered next to the wrong account. Again nothing nefarious I’m certain, just human error.

I think the OP and her father are just looking for a fight rather than accepting that an error occured and that the bank has apologised and fixed it. “Let he who is without sin cast the first stone” someone famous once said.

 

[bdrex28]

You say this employee has been "jerky" to your dad. I will take yours and his word. But, having worked in a bank that last sentence you posted could be interpreted as your dad being "jerky" to the bankers as well. Two different sides of the counter I guess and both could be interpreting things differently.

Previous poster is also right about safety, especially for the elderly. You would be surprised how many times elderly people fall for scams and want huge amounts of cash withdrawn to get their grandson out of jail, fix their roof, or pay off something. A good bank will look out for it's clientel.

No offense meant, but if it's my account and my cash unless I display dismay, stress, etc then it's not the job of the bank to deny my withdrawal. At the very least if the cashier or teller has concerns then call a manager over.

Maybe I want to get someone out of jail or get a new roof with MY CASH.

 

[kyton]

No offense meant, but if it's my account and my cash unless I display dismay, stress, etc then it's not the job of the bank to deny my withdrawal. At the very least if the cashier or teller has concerns then call a manager over.

Here in Australia we now have strict governance regarding large withdrawals. Anything over $10k is recorded and has to be referred to a manager for approval. There is a two page electronic form that is attached to your profile. You don’t have to divulge any information but we can also decline the transaction. Basically it’s to ensure that should something untoward happen later down the track, ie you were scammed you can’t come back at the bank stating we should have protected you / stopped you from having this happen. Everything you tell me is written on the form.

We also have the right to exit you from our bank, ie close your account and give you a bank cheque for the balance should you become belligerent or rude to a staff member.

 

[Kooks and Bay Bay]

It could have just been the case of putting the withdrawal code next to the incorrect account. Ie when I do a withdrawal for a customer it brings up every account they have. I then enter a specific code next to the chosen account. Sometimes if the customer is flustered and tells us the wrong details or even if I am rushing the code can be entered next to the wrong account. Again nothing nefarious I’m certain, just human error.

I think the OP and her father are just looking for a fight rather than accepting that an error occured and that the bank has apologised and fixed it.

Not sure how I'm looking for a fight?
He did accept that it was fixed.
I just want to know if its legitimately in the employee's right to do it on purpose if that is what happened.

And the details were written down and I don't think anyone was in much of a rush.

 

[tinkerbellandpeterpan]

Not sure how I'm looking for a fight?
He did accept that it was fixed.
I just want to know if its legitimately in the employee's right to do it on purpose if that is what happened.

And the details were written down and I don't think anyone was in much of a rush.

I think it's a problem and should be brought up with customer service at the very least. Especially if you have the receipt. But let's be serious, you know a bank employee can't just take money out of whatever account they feel like. That's not the real question. You just wanted to vent.

ETA: Which you are totally entitled to do. I'd be annoyed too, but it's just silly to frame the question the way you keep trying to.

 

[kyton]

right to do it on purpose

But this reiteration makes it sound like you think it was nefarious, rather then an error.

 

[barkley]

Previous poster is also right about safety, especially for the elderly. You would be surprised how many times elderly people fall for scams and want huge amounts of cash withdrawn to get their grandson out of jail, fix their roof, or pay off something. A good bank will look out for it's clientel.

absolutly. some retailers are looking out for their clients as well. i was recently at a walmart and overheard a message come across an employee's walkie talkie advising all cashiers to be on alert due to an uptick in 'golden gift card purchases' and not to hesitate to call for lead or supervisory assistance. i was interacting with the employee and got a puzzled look on my face so he explained that it meant that a number of older customers buying numerous or large dollar amount gift cards had been detected which likely meant some kind of local scam was afoot. their store policy when they observed this was to take certain precautions to protect their older customers including notifying and if nesc. calling in local law enforcement.



on the cash withdrawl stuff-the most i've ever taken out in a single transaction was probably around $10K which was when we were having remodel work on the house and i had cut some very nice cash discounts with some of the vendors and licensed contractors. no problem getting it w/o prior notice at our credit union. the only time they want me to give them a heads up is if i want $2 bills b/c they usualy only have $20 or so on hand at any given time so when i want a bundle of $200-$400 they ask i give them about 10 days advance notice,

But to give an example of my dad's mindset...
When he was young he went to purchase a car and said he wanted to pay xyz. The dealership said you can't even afford this car if we gave you that price.
My dad went to the dealership down the road and bought the same car for the price he wanted and then drove it to the dealership that turned him away and asked how they liked his new ride.
So like I said doesn't get mad gets even haha.

i love your dad!!! he and i would get along well. i once had an issue with a car dealership wherein my car was still under warranty and i took it in repeated times but each time they swore they could not duplicate the problems i was reporting. drove me nuts so i waited until one evening after the service department had been closed down for a couple of hours and posed as a new car buyer. got to a point with the sales person where we started talking about the trade in value of my existing car and he said 'well let me have our guy look at it right now and we'll see what kind of deal we can make'. about 45 minutes later he comes back with a lousy offer and when i ask why he starts rattling off stuff that needed repair and brought down the value. i unashamedly played the 'i am a dumb and subserviant female' card and asked if he could write it all down so when i 'reported' to my husband it would make sense to him. he made a list, even stapled his buisness card to the list 'so your husband and i can talk directly'. i thanked him and went home.........and went back the next morning.........to the service department with the list and buisness card in hand. asked why they could'nt find any issues all the times when i brought it in for repair but their 'guy' had diagnosed so many in just 45 minutes.......i thought the service manager's head was going to explode but they took the car in and had it for several days fixing everything i had complained of and more. i heard they changed their company policy after that-no more trade in evaluations outside normal service center hours.

 

[Kooks and Bay Bay]

I think it's a problem and should be brought up with customer service at the very least. Especially if you have the receipt. But let's be serious, you know a bank employee can't just take money out of whatever account they feel like. That's not the real question. You just wanted to vent.

ETA: Which you are totally entitled to do. I'd be annoyed too, but it's just silly to frame the question the way you keep trying to.

Believe it or not I really was legitimately asking if they are allowed to do it. I don't know the actual rules. Now I did assume they aren't allowed but again was not sure.

 

[Tigger's ally]

No offense meant, but if it's my account and my cash unless I display dismay, stress, etc then it's not the job of the bank to deny my withdrawal. At the very least if the cashier or teller has concerns then call a manager over.

Maybe I want to get someone out of jail or get a new roof with MY CASH.

No offense, but if your parents are elderly and a banker helps them avoid a scam then you will be thankful.

 

[bdrex28]

Here in Australia we now have strict governance regarding large withdrawals. Anything over $10k is recorded and has to be referred to a manager for approval. There is a two page electronic form that is attached to your profile. You don’t have to divulge any information but we can also decline the transaction. Basically it’s to ensure that should something untoward happen later down the track, ie you were scammed you can’t come back at the bank stating we should have protected you / stopped you from having this happen. Everything you tell me is written on the form.

We also have the right to exit you from our bank, ie close your account and give you a bank cheque for the balance should you become belligerent or rude to a staff member.

The USA has the same laws in regards to large deposits. But the withdrawal mentioned doesn't meet the criteria, nor was anyone beligerant according to original post.

 

[bdrex28]

No offense, but if your parents are elderly and a banker helps them avoid a scam then you will be thankful.

A banker and a teller are two seperate things.

It's their money. If someone who OFTEN withdraws cash as mentioned and it's known then it's not watching out for a scam.

If you read the original post, this is quite obvious.

No offense taken whatsoever.

 

[tvguy]

Banks don't like to give out large amounts of cash.
I tried to withdraw $1000 once to deposit into another account and got a run around, are you sure you don't want a cashiers check, etc.

Yet you could have gotten that cash from the ATM, unless you have placed a daily cash withdrawal limit on your account.