BS: Are there any bank (fraud) experts here?

Subject: RE: BS: Are there any bank (fraud) experts here?
From: Donuel
Date: 05 Mar 11 - 05:06 PM

Jim, Four years running we pay, see the check cleared but then the IRS does not discover the payment until we go to court...

update

I believe the people responsible are 2 IRS agents who happen to have been the married couple we bought this house from. They are radical Christians who donate time and money to pro life groups. They are also best friends of the fundamentalists across the street who share the pro life agenda and were responsible for several heinous and despicable acts against my children. It seems that my unwillingness to be recruited in their campaign resulted in labeling me as the enemy. My only comment in response to their recruitment was that it was a matter for women to decide and that my input one way or another was irrelevant. Yeah it was a wishy washy response but obviously not sufficient to keep me off the enemy list. I guess I did mention secular humanist and atheist which turns out to have been more than unwise.

The IRS couple most likely involved in deleting our payments year after year, are under investigation. The husband retired several years ago so it seems the wife is the one most culpable for our problem unless she has confederates in the agency who do this sort of thing ad infinitum.

This tax season will be the trap to prove that internal IRS problems do exist and that the bank is innocent. The bank finding an intrusion of our account was mere coincidence.


Think of it. The IRS may have religious zealots who knowingly commit fraud as retribution against "unbelievers". It has been alleged for years that being on a political enemy list could trigger audits.

My wife refused for so many years to take seriously "a deliberate attack" but four years in a row has convinced her. Sadly she became emotionally paralyzed about the issue and suffers from approach avoidance to such a degree that she has allowed the process to get perilously close to losing the house to public auction and now has received notification of garnished wages. The amount of money was relatively small , about $6K, but then it gets doubled the following year and additional penalties are applied.

I have been on the sidelines since I do not have much discipline for numbers and forms and have confused state and federal difficulties over the years.

It is one of those cases in which everyone feels they are right. The righteous feel they are right, the victims feel they are right, the IRS feels they are right, the court rules in a fashion that appears right... yet the wrongs continue without remedy. This brings to mind the case where a government worker named Monica would not hire people during the Bush administration who were not Republican or who were not pro life. I recall she went to Regent University.

So I have a better understanding of the suspects/confederates and will soon know which link in the chain is breaking. All the while the saga continues with its own paper trail and a record that can impune some kind of guilt despite the fact we have done no wrong doing.

Subject: RE: BS: Are there any bank (fraud) experts here?
From: Jim Dixon
Date: 18 Feb 11 - 01:46 PM

If you can't get the physical checks, you should at least be able to get digital images of those checks, front and back. You might even be able to get them online, if your bank provides "online banking." I mean, view them on your home computer screen, and print them out yourself, if you like.

I wouldn't change banks just yet. If you close your account, you will likely lose the ability to access that information (without a lot of trouble, anyway), and the bank will have even less incentive than they do now to help you.

Of course, you could decide to simply "let go" of the past problems and concentrate on not letting the same problems happen in the future. In that case, paying the tax in person is probably a good idea.

Subject: RE: BS: Are there any bank (fraud) experts here?
From: Donuel
Date: 18 Feb 11 - 12:03 PM

My wife has not gotten the actual checks. She "believes" that banks are no longer required to provide them. New bank regs might prove her correct.

To me the actual checks are crucial.
Also crucial is to make the FBI aware of potential bank fraud.
So far they consider it a consumer issue. At this point I will even consult Secret Service since they are guardians of what is real money and what is not.

Paying in person from now on as well as changing banks is what we are now doing henceforth.

My wife also has a skewed sense of fairness and refused to pay a lawyer his second fee since he did not provide the services promised.

The level of sophistication leads me to believe a lawyer's expertise could be used against us. A lawyer has different tools of retribution than the rest of us.

Subject: RE: BS: Are there any bank (fraud) experts here?
From: bobad
Date: 18 Feb 11 - 09:37 AM

We are often the authors of our own misfortunes.

Subject: RE: BS: Are there any bank (fraud) experts here?
From: EBarnacle
Date: 18 Feb 11 - 09:26 AM

What bothers me is that you are liable for penalties even after showing that an error occurred. There is something wrong going on here. Are you approaching this in an "I am troubled and not hostile" manner? If you are being foreclosed, there is certainly more than one payment not being credited.

ChanteyLass suggested what I was about to. You have to make sure that the right office is cashing your check.

Subject: RE: BS: Are there any bank (fraud) experts here?
From: ChanteyLass
Date: 18 Feb 11 - 12:22 AM

Is it possible to pay in person? While it is inconvenient, I go to my town hall every 3 months to pay my taxes in person and get the employee to stamp on my bill that it has been paid. I did this in the two towns where I live now and lived previously and had to pay property taxes and the city in which I paid taxes on my late father's property when I was the executor of his will. Also, I have paid these bills two or more weeks before their due dates, hoping that my payments won't be lost in the last-minute rush of paperwork and record keeping. I have never yet had a problem, knock on wood. However, I know that I am fortunate to be able to pay off these bills early. Once I was in the hospital unexpectedly for 3 months (referred to on other threads as my medical disaster) and missed a property tax payment. My son, who had access to my ATM account and a savings account, paid my monthly bills but missed this because the annual bill, broken into quarters, had arrived before my medical disaster. When I recovered and went to the town hall, I showed records that I had been in the hospital and all penalties and fees were removed from my account.

Subject: RE: BS: Are there any bank (fraud) experts here?
From: Donuel
Date: 17 Feb 11 - 10:46 PM

That is a very interesting insight Jim.

Amos I will check on the adtual checks.

Even if this is all a misunderstanding, Society looks more predatory every day.

A good movie about this societal change is titled 'Good'

Subject: RE: BS: Are there any bank (fraud) experts here?
From: Amos
Date: 17 Feb 11 - 04:44 PM

Do you have the canceled checks? You have, I believe, the right to demand them. They will show the endorsement.

A

Subject: RE: BS: Are there any bank (fraud) experts here?
From: Jim Dixon
Date: 17 Feb 11 - 03:16 PM

I'm not a banking expert, but I can give you some "common sense" answers.

Is it possible you've been mailing your check to the wrong place? One possible explanation is that the wrong government office, or a private business, or a person, has been receiving your check. They deposit it in their own account, and then later, when the error is discovered, they reverse the transaction and the money reappears in your account. This may sound scandalous, but it is really quite a common occurrence.

By law, businesses are not allowed to keep money that is paid to them by mistake, but as long as they return the money within a reasonable time, they are not deemed to have done anything wrong. So if a business receives a check and they don't know what it's for, the rule of thumb seems to be: when in doubt, deposit the check first and ask questions later.

The fact that the "payee" named on the check doesn't match the owner of the account is not an obstacle!

When you mail your check, are you enclosing the proper documentation to show what the check is for? If they can't match it to your account, they will probably reverse the transaction, as above.

Subject: RE: BS: Are there any bank (fraud) experts here?
From: Donuel
Date: 17 Feb 11 - 02:29 PM

The bank says they have investigated but give us no details of their findings.


Smear campaigns are a growth industry, Especially since the Citizens United case/

Wiki
http://en.wikipedia.org/wiki/Smear_campaign
catholics
http://ncronline.org/blogs/ncr-today/sociologist-compares-todays-crisis-nazi-smear-campaign
corporate
http://www.aclu.org/blog/free-speech-technology-and-liberty/phony-grassroots-group-launches-smear-campaign-against-fcc-a

Subject: RE: BS: Are there any bank (fraud) experts here?
From: Ebbie
Date: 17 Feb 11 - 02:22 PM

You mean that talking with the bank manager has had no results? There has been no internal investigation, even though there is a clear paper trail?

What an interesting life.

Subject: BS: Are there any bank (fraud) experts here?
From: Donuel
Date: 17 Feb 11 - 01:50 PM

My question is this; Am I looking at possible bank fraud or county government fraud?

You see, I suspect some kind of fraud has been perpetuated for 5 consecutive years regarding our payment of property taxes.
Every year we send a check to the county and our banking records clearly show the check being cleared. However county says they never cashed the check.
The money later reappears in an inconspicuous manner that is not easily evident in our account records but succeeds in having the county not get paid and adding penalties and court fees that are only partially waived if we hire an attorney and go to court.
Every year we go to court and show our evidence and end up paying extra fees.

****************************

How could this be done? Is it strictly an internal banking action or could the county have someone do this deliberately?

****************************

The bank claims to be doing its own investigation.
I have discovered that the state attorney general's office of consumer complaint could investigate but it is discretionary.
The county executive has been advised along with the county finance dept. The FBI and police are not interested in our situation but one attorney thought the Bureau of licensing might offer help regarding bank fraud. A detective advised that from now on we pay taxes in person and get a hand stamped receipt and a mailed receipt.

Since my wife's accident and surgery, we missed a crucial time to respond to the yearly claim of non payment of property taxes. This time it was turned into a lein, acution of our home and a current foreclosure in 2 weeks in which someone bid to buy our house and for a hundred dollars hope to make lots of money... all over a missing and reappearing $3K check for property taxes year after year..

We can pay whatever is asked even though it costs us thousands of dollars extra every year compared to everyone else, but we hate to go along with a scheme that seems to be essentially based on fraud by persons unknown.



We all face death and taxes, some in peculiar ways.





I now digress and admit I have complained before about a laundry list of annonymous unsubstantiated allegations since we moved here 7 years ago, which include:

Being denied voting, except by a provisional ballot, since an anonymous person claimed that I did not live at my address, while my wife's voting rights were unaffected.

Multiple false allegations of unsubstantiated child abuse.

Crude fire bombs and graffiti found alongside our house.

For less than 2 years we had over 500 anonymous phone calls between 2AM and 4 AM.

and many more events, all sharing a curious anonymous designation.


Maybe this is America today and its all a coincidence or maybe there is a deliberate intent to intimidate us for reasons unknown (which is a contradiction of logic. Hints and hateful remarks are made by certain neighbors but nothing that would serve as proof.

If you know anything about bank fraud or have any other helpful suggestions I would be happy to hear from you. I assure you, we are both law abiding citizens with no criminal record and strive to walk through this world in peace and love. Since we moved here, our good reputations have been marred by actual ongoing unsubstantiated anonymous accusations including this strange manipulation of funds...As if I were a politician or activist in the process of being smeared.

Even if there is a nefarious person behind all this, they probably could not be punished since what they are doing is "virtually" legal, but my knowing who they are might encourage them to stop. I do not believe turnabout is fair play but the list of forms and phone numbers that I have discovered to commit such acts is growing ominous. Once again if this is not coincidence, it sure has a certain aire of sophistication. At this point I could probably write the Handbook of Dastardly Deeds based on recent events. ;^)

]
PS

When we sent out our virtual "help me Obi One Kenobi" message regarding this virtual assault, our experience is that there is no help... Maybe people have to go on TV nowadays to get help or even a day in court.