At the beginning of the year I cashed a refund check thinking it was mine and signed with my name. Now in July, the money has been reversed in my bank account and I am down $2500(amount on check). I’m assuming this check wasn’t mine now after the reversal. I did have doubts initially cause the name was a little different.
I really thought it was mine cause the bank cashed it and it was sent to my address. The name was similar to mine and the amount made sense.
If this wasn’t my check, but I cashed it thinking it was mine, is this a legal issue?
You state the bank deducted the $2,500 from your account and you now wonder whether its a legal issue that you negotiated the check in the first place. Hopefully, the bank's reversal of the check resulted in correct credit to either the correct payee or the drafter of the check. You didn't say whether this was a tax refund check; but if it was, your cashing of the check in a similar but different name may raise a red flag with the tax authorities. Otherwise, if it was an innocent mistake that was later corrected by your bank, there should be no legal issues. I recommend you keep all lines of communication open and if you hear further from the bank, correct payee or the drafter of the check, that you not attempt to explain further unless you have consulted with a lawyer experienced in property and/or criminal law.
My answer is based upon the limited facts or conditions stated in your question. There may be other facts or conditions that would affect or change my answer. Your question would be best answered after further consultation. The above answer doesn't establish a lawyer/client relationship and shouldn't be relied upon unless such a relationship is established after such consultation.
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