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Bank of America gave me a fake 100 (1 Viewer)

Gawain

Gawain

Footballguy
Pulled some cash on Friday. One of the bills was an old 1969 hundred. It was beat up and I went back today to exchange it. Bank of America claimed it was counterfeit and the secret service would be involved. Any thoughts on what I can do to avoid hard time in a federal pound-me-in-the-### prison?

i'd think there would be some sort of recording system in a bank but what do I know?

 
Ask for the names of bank officers so that you'll be able to direct the SS in the right direction?  There has to be video of your Friday transaction.

 
The old bills do not react to the counterfeit pens like they are supposed to. The teller is probably an idiot.

 
The Big Guy said:
The old bills do not react to the counterfeit pens like they are supposed to. The teller is probably an idiot.
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But I thought the old bills are taken out of circulation and replaced? A 1969 bill shouldn't be in an ATM to begin with. I would've asked to speak to a manager.

 
Older bill means it may be real but the normal ways of detecting counterfeits would set off alarms.

Banks can't give back counterfeit bills. It will be sent to the Secret Service and I am guessing they will confirm it being real and you get credited. If not, the bill is confiscated. If it is counterfeit and it is confiscated you can plead your case to a manager and they may credit you the $100 as a customer service issue but they aren't under any obligation to do so. There is no way to link the withdraw you made with that specific bill but they may review the relationship you have with them and decide it is worth $100... or they may not. Up to them.

 
Chadstroma said:
Older bill means it may be real but the normal ways of detecting counterfeits would set off alarms.

Banks can't give back counterfeit bills. It will be sent to the Secret Service and I am guessing they will confirm it being real and you get credited. If not, the bill is confiscated. If it is counterfeit and it is confiscated you can plead your case to a manager and they may credit you the $100 as a customer service issue but they aren't under any obligation to do so. There is no way to link the withdraw you made with that specific bill but they may review the relationship you have with them and decide it is worth $100... or they may not. Up to them.
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Except these bills came from a teller. I imagine there is clear video of her counting them out.

She even stated that she was giving me old hundreds and some places might not want to take them. I didn't realize she meant herself, two business days later.

 
Am I the only one that thinks Gawain created this thread as some sort of alibi for a half-assed counterfeit he's running?

 
Gawain said:
Except these bills came from a teller. I imagine there is clear video of her counting them out.

She even stated that she was giving me old hundreds and some places might not want to take them. I didn't realize she meant herself, two business days later.
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Still no link. Most video is customer facing with some angles in cash handling areas but video is not going to be good enough to see the bills to identify them. It will be you making your case and hoping the teller remembers you and is honest about it.

I think you have a good shot of it being a good bill and getting your money back. I would wait it out and see. If not, then take your case to the manager.

 
Not to woz up this thread, but a couple of years ago I went to the bank to withdraw $1500 in hundred dollar bills for a trip to Vegas.  I ended up not losing any money so at the end of the trip, I was going to pay my remaining balance at the Wynn with some of the hundreds I brought with me (they'd been in the safe the whole time since I never needed them).  I took them to pay which I thought would be quick... they took the cash to the back and a called a bunch of people over.  After about 10 minutes the hotel services person came over and said the bills were coming back counterfeit and asked if I could pay another way.  I paid with a credit card and they gave me the "counterfeit" bills back.

When I got back to Dallas, I took them back to the bank I withdrew them from and told them the story.  They checked them and said, "These aren't counterfeit" and deposited them back in my account.

I've always wondered why they came up counterfeit at the Wynn though.  Maybe their machine is ultra sensitive or something....  :confused:

 
Joe T said:
Not to woz up this thread, but a couple of years ago I went to the bank to withdraw $1500 in hundred dollar bills for a trip to Vegas.  I ended up not losing any money so at the end of the trip, I was going to pay my remaining balance at the Wynn with some of the hundreds I brought with me (they'd been in the safe the whole time since I never needed them).  I took them to pay which I thought would be quick... they took the cash to the back and a called a bunch of people over.  After about 10 minutes the hotel services person came over and said the bills were coming back counterfeit and asked if I could pay another way.  I paid with a credit card and they gave me the "counterfeit" bills back.

When I got back to Dallas, I took them back to the bank I withdrew them from and told them the story.  They checked them and said, "These aren't counterfeit" and deposited them back in my account.

I've always wondered why they came up counterfeit at the Wynn though.  Maybe their machine is ultra sensitive or something....  :confused:
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If you run a 100 bills through a machine odds are one or two will come up "suspect" for a number of reasons. Doesn't mean that they are counterfeit.

 
And if it is a counterfeit item and you do take your case to the manager and the manager credits you- the teller may get written up for the loss. (fired if they already have had some issues)

 
From now on send me all your old $100s and I'll check them out.

 
Gawain said:
Except these bills came from a teller. I imagine there is clear video of her counting them out.

She even stated that she was giving me old hundreds and some places might not want to take them. I didn't realize she meant herself, two business days later.
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So she gave you old hundreds, said they might give you a hard time with them, you took them, had a hard time with them, you bring them back to her, and she's shuked? Like she disavows all knowledge of the transaction? Chick played you.

 
I kinda understand why my Grandpa kept all his money in the piano bench.

I hear that wheat pennies can only appreciate. Perhaps that's the currency of the future.

It's not the $100 bucks, (though I imagine I'll hear about it from my wife), it's that B of A can act with impunity. The immediate impulse is to switch banks, but it's not like any other is going to be better, is it? My other question is what happens to old money? I've got some red seal 2s hanging around at home because they're cool. If I ever tried to deposit them, would I end up in leg irons?

 
Gawain said:
I kinda understand why my Grandpa kept all his money in the piano bench.

I hear that wheat pennies can only appreciate. Perhaps that's the currency of the future.

It's not the $100 bucks, (though I imagine I'll hear about it from my wife), it's that B of A can act with impunity. The immediate impulse is to switch banks, but it's not like any other is going to be better, is it? My other question is what happens to old money? I've got some red seal 2s hanging around at home because they're cool. If I ever tried to deposit them, would I end up in leg irons?
Click to expand...
BofA has no choice in confiscating (what they think) is a counterfeit. They are required to do so by the government. That would not change from bank to bank or credit union (or shouldn't at least). If you brought in the $100 you got from the place down the street then they have no reason to do anything to make you whole. Because you got the bill from them- you can make an argument that they should make you whole but since you can't prove it- it will be a customer service question to them and most likely one that they have to decide is taking a $100 loss worth versus just crediting you $100.

Old bills don't automatically mean they will be treated as counterfeit. BTW there are some red seal 2's that are worth some pretty good cash. Most are worth about $4 though. I would check it out- do some google research and you can see if you are rich or not.

 
Thanks for the response. The only counterfeit verification was to run the bill through some sort of counting machine.

This doesn't look like an uncommon occurrence

If I hadn't gotten the bill from the bank (who ran it through the same machine when I took it), I'd chalk it up to a lesson learned. Because BoA passed it to me with a smile, I feel a little less generous.

 
Most likely the teller took a deposit in and didn't run it through. Then, you happened to be the next customer asking for 100's. Unless there is a large deposit or the teller is strapping money- they typically don't run it through the machine.

And like I said, the machine can give false readings. The older and more worn the bill the more likelihood of a false reading of a counterfeit.

 
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