What to do if your bank upholds an account under review
The best way to handle this is to take a step back and apply some common sense. You can’t win this fight if emotions get the best of you. We’re not perfect, but we can be smarter. Take a deep breath and think about this for a minute.
If you are sure you did nothing wrong and your account still remains under review, make sure that you put a stop payment on the cheque. A lot of times these banks will try to collect from you through your personal accounts or borrowing privileges in order to get their money back. By making it clear to them that you are not going to pay this bill, you ensure that they cannot access your personal accounts.
If you receive a preliminary written notice saying that your account is being reviewed, but the bank has not yet issued any final decision on the matter, take these steps:
How long the process usually takes
It all depends on the fraud department you are dealing with. Some are inept and don’t investigate the case fully, while others may be very thorough. Either way, it is highly unlikely that they will return your money within a month’s time. Once the investigation is complete, you will usually be notified by mail. The length of the approval process can be anywhere from a couple months to a year.
Some agencies may give you the runaround, saying that their approval is in the mail and that they will contact you when it arrives. If this happens to you, be persistent and ask for status inquiries every few weeks. After all, fraud departments are staffed with people too and things get lost in the shuffle sometimes.
Also, it’s important to be persistent and to write each agency’s fraud department and ask for things such as:
The status of your case.
Any extensions needed as a result of the investigation.
Information about the results of the investigation. (If you’ve been issued a refund)
What you can do to speed up the process
First, you should know that a lot of banks have a limited amount of time to make a decision. Even if the process is taking longer than usual (6 months or more), don’t panic and contact the fraud department of your bank. Keep in mind that your bank is allowed by law to offer you representation because it truly believes that you are innocent, but they may not be able to help you out with everything. If this happens, then consider obtaining representation on your own. For example, you can get a lawyer. You may have to pay a few hundred dollars, but it will be worth it if you are able to clear your name and make sure that the bank finds no wrongdoing on your part.
You should also try to provide your bank with additional pieces of evidence that you are telling the truth. For example, if you claim that you have not been to a country outside of the United States in several years, then provide a record of your passport stamps. If your bank asks for proof of your income and you do not keep track of cash transactions, then show them the recent statements from all your financial accounts.
How to prepare for an account review
Even if you decide to go it alone, you should have a plan in mind. Even if you get off last time, there is always a chance that they will decide to pursue you again and this time with more effort than before. You should find out the name of the person who is handling your case and whether or not he or she knows the details of your case. You can also contact the fraud department from another bank to see if they can give you some advice on how to prepare for an account review. You should also think about who you are going to take with you to the meeting if your bank offers representation. If not, then decide on a date and time that is convenient for you so that you can present your side of the story. After you have prepared your statement, make at least two copies: one for your records and another one to give to the bank. It is also a good idea to write down some of the questions that may come up during the interview.
You may want to consider bringing along your lawyer or lawyer-friend if you have one. If money is not a problem, then by all means hire a professional for this process as it can be quite time consuming and stressful if you don’t know what to expect. Fraud investigators are trained to ask questions in an inquisitive way but they do not want to offend you and make you feel bad. On the other hand, they are very good at determining if a person is guilty of fraud or not.
What to do if your account is frozen
If your account is frozen, you should do your best to remain calm. Ask a trusted family member to look over the documents and release you from their power of attorney. If that doesn’t work, then try to contact the fraud department yourself. They will help you get access to your funds, but they may place a hold on those funds until the investigation is complete.
If you are unsure of the steps to take, you can always contact us here: http://support.uromining.com . If you are having issues with your mining account, please contact support for assistance.
1st Interview: https://cdn.steemitimages.com/DQm9YQGeztZDWnNmnp3wM/20180323_183306.png
2nd Interview: https://cdn.steemitimages.com/DQmXB6hZYiHfp12wCWyPNpoj/20180406_174618.png
3rd Interview: https://cdn.steemitimages.com/DQmYYEb54Cz2Rinrcf5ZmKEXe/20180511_235547.png