嗯,我把帖子删了,他这个情况还真是复杂了。 是amex先收了boa钱,然后又被boa追回去了。。。。。。 22号收到amex的信“Your recent payment of $XXX was returned to us unpaid by your financial institution because of insufficient funds in your account”。
哎,Non-sufficient funds (NSF) bounced check 是很严重事情。 When a bad cheque is negotiated, the recipient of the check may choose to take action against the writer. The action that is taken may be civil or criminal, depending on the amount of the check and the laws in the jurisdiction where the check is written. In many jurisdictions in the United States, a Bad Check Restitution Program exists that allows recipients of bad checks to collect the funds from the local district attorney's office, regardless of the amount. An agency run by the district attorney will pursue the writer of the check by attempting to collect the funds in exchange for avoiding criminal prosecution. The check writer will be responsible to cover the amount of the check, plus all fees to which the recipient is legally entitled, plus a program fee. The writer will also be required to take a course designed to improve check-writing habits. These programs are controversial and in recent years, have come under fire in lawsuits. Normally, if check writer can cover up their bad credits in 60 days, all charges will be dropped. Note that in some places, for a criminal prosecution on a bad check, there must be “fraud” involved. In some U.S. states, if the check writer informs the party they are uttering the check to that it will not clear at the current time (such as asking someone to “hold” a check for a few days), if the check bounces, they can still be sued for the value of the check, but warning the recipient before acceptance that the check will not clear immediately negates the element of fraud and prevents criminal prosecution.
我曾经收到过一张银行的坏支票,打电话去银行推来推去说要调查,我火了,马上写了 一封Intent to Sue Letter,发给他们的CEO,列上我的要求和钱数,当天他们就给我 打电话,按我要求的钱数把钱打到我的帐号。
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【在 n*******y 的大作中提到】 : 哎,Non-sufficient funds (NSF) bounced check 是很严重事情。 : When a bad cheque is negotiated, the recipient of the check may choose to : take action against the writer. The action that is taken may be civil or : criminal, depending on the amount of the check and the laws in the : jurisdiction where the check is written. : In many jurisdictions in the United States, a Bad Check Restitution Program : exists that allows recipients of bad checks to collect the funds from the : local district attorney's office, regardless of the amount. An agency run by : the district attorney will pursue the writer of the check by attempting to : collect the funds in exchange for avoiding criminal prosecution. The check
你要是相信这表面给出的理由就是唯一理由,那我也没办法 手边现成有一条简单又好用的理由,银行就没必要跟解释清楚他的模型 简单举个例子来说:一些网店封了你,不让你网上买东西,给你字面理由一般是什么? 一般来说还不就是数量受限,或者unable to process your payment information。实 际理由是什么,大家都心里有数。