Paper City Savings
Complaint 209324 Details

My name is Gabriel Migut and I reside here at 6404 Wisconsin Street Vesper, WI 54489. During the middle of the month of January 2013 I started to post an ad to sell some rustic furniture and antiques on Craigslist. Instead of selling locally I thought selling out of state would bring more monies because bigger cities just don’t have the same types of things available to them. As I started posting ads in Cape Cod, Chicago and Boston’s Craigslist I starting getting feed back from multipal parties. These people said that they would buy the items I was selling and that they would overnight checks via Fed Ex or USPS. Within a week I started to receive these packages from the curriers. I brought the first check whick belonged to a guy named Grant Edwards the sum of $2,500 and deposited into my business account and with drawn $500.00. The teller at Paper City Savings ( Tracy ) in Wisconsin Rapids said that she could do the $500.00 in cash but since it was an out of state check and the sum of the check was high she wanted to do a seven day hold on it. At that time I agreed with her and started to tell her what I was doing and how I got the money and that I was going to be receiving more checks. At that time Tracy said that all my checks being brought in will be put on a seven day hold to make sure they were clear. I agreed. After leaving the bank I finished up arons and went back home. When I arrived back home there was another Fed Ex package left in my door. After my girlfriend and the girls got home from school I decided to go back to the back and deposit the other check. I went to the closet bank which is in the mall in Wisconsin Rapids which I visit often and started to talk to the cashier/teller. I told her the whole story about what I was doing and she said how do you want your bills. I said that I was just at the other bank and that Tracy put a hold for seven days on the check and asked why she didn’t? She said it looked fine and said again does it matter what type of bills. I said no. I was there at the bank for about seven or eight minutes I think talking with the teller. The amount of that check was $2,000.00. The teller gave me $2,000.00 in cash as she said the check was fine and there are no problems with it. I continued to think why did the other teller put a hold on the check and this one didn’t even after I told her what Tracy did at the other bank? The next day I received a few more packages from USPS and FED EX curriers and waited to go to the bank. When I finally got to the bank the teller at the bank said that there might be an issue with one of the checks that I recently brought in. I said just keep me posted and continued to make sure that they were putting hold on the checks. At that time one of the girls printed out a form of two of the checks I brought in for clearance dates . Days go by when I get a call from Tracy from the bank and said that I need to contact her. When I received that message I called her and we talked about one of the checks that I brought in and she said that it would be a good thing to come in. I said I was in town and that I would be over there asap. When I arrived I met with Kim and Mia. We went into an office and started to discuss this $2,000.00 check that they flagged. At that time Mia pulled a copy of the check out and said to me “ I personally looked at this check and it only took me a few seconds to figure out it was fake”. I asked how? She said well do you see the routing numbers? I said yes. She said it’s missing some. If all the routing numbers where there she wouldn’t of caught it that quickly. She also said how did this check get cashed? I told her that I went to the other bank and talked with the lady there and she looked at the check and said that there wasn’t anything wrong with it. Even while I was telling her that you guys put a hold on the other one that I brought in earlier that day. Mia said that she shouldn’t of did that. When I was talking with Kim in the same office Kim said we need to fix this. At that time I’m scared and don’t know what to do so I said go ahead and move the funds in my personal savings which had a little over a $200.00 in it and put it in the business account to help pay for the scammed funds. Than I asked Kim and Mia to close the account and leave the business account open. Kim and Mia said that the personal account was closed and that I didn’t need to sign anything. When I left the room to go and try talking to another cop I asked if I needed to sign anything on the closed account and they just stood there and said no. I went and I talked to an officer at the Wisconsin Rapids Police Departmant ( Officer Burger ) gave me the number for the FBI office in Milwaukee Wisconsin to see if I can get some help. When I returned home to start making calls I got a call from Tina from Paper City Savings (bank) and she started to tell me that my personal account has been closed and that I need to continue to pay for the cash I received from one of the checks that was cashed. I started to say that it was a huge error on both our parts and she continued to tell me that since my signature on the back of the check that it was my fault not theres. I tried to explain to her that Mia said that all tellers would have and should have put a seven day hold on the check to make sure that it was going to clear and that all tellers know that there are a certain amount of numbers in a routing number. The check that was cashed didn’t have enough routing numbers in it as I stated before on how Mia said she and everyone else would have flagged the check automatically. Tina constantly said know matter what that it was my fault and that I should have known. I tried to talk with her also on the additional charges that they were making pay for like the $15.00 per check that came back and since they all knew that I was scammed how come they added those charges. It made me feel like they were taking control of me too. She said that’s what happens when a check comes back. After agreeing with her on a normal situation I told her that this is a very unique situation and that I shouldn’t be charged for that. She said it doesn’t matter. I also informed her that Kim and Mia closed my personal account and moved my remaining funds to my business account. She said yes they did. I told her that I was expecting a call from the police to help me out and that I will call her back. She said okay. Later that day I talked with my girlfriend about possibly filing taxes for me this year and that would help me pay this money back that I got scammed. Danielle said we will talk about it later. After I get off the phone with her I finally got ahold of the FBI in Lacross ( Agent John ) and he said to continue to file these types of scam complaints on the FBI website which I informed him that I have been doing that already. We talked for a good hour and a half about what was happening. When that was done I get a phone call from Danielle and she told me that my bank had called her to tell her that she needs to come in and sign a paper saying that if she filles me on taxes that it needs to go into my frozen account. First of all Danielle’s contact information is not on any of my bank information at all. I need to make that clear. Also Tina at Paper City Savings said that she needs to get in there and sign. When Danielle got home we had a long talk. After knowing everything that the FBI had said there is no reason for the bank to add another person into this equation. I asked Danielle how Paper City Savings got her information and she didn’t know. To me that is a breech of confidentiality. On all my bank accounts not one number lists Danielle for contact let alone Danielle to access my account. I immediately called back Tina and asked her how she got the number and that she broke the one big rule for all bank which is the breech of confidentiality. Tina said she didn’t do anything wrong and that she needs to do whatever she needs to do to get the money back from me. Tina continued to tell me that she has been envolved with other check fraud investigations and that I am wasting my time trying to get the law to help me and that I need to pay back the money. Tina continued to tell me that she used every resource to get information to make sure that I get Danielle over there and sign this paper that this Mike was drafting up. I told tina that she illegally broke the client bank confidentilality and she continued to change the subject saying that it’s not her problem. I told her that I was going to talk it over with Danielle about possibly helping me out by filing taxes. I never gave Paper City Savings nor any of the tellers including Tina Danielles phone number to contact her. After I told Tina that she over stepped the line with the rules she began to continue to tell me that I am wasting my time to get help and that I need to pay back the money to them. Even after I told her that her teller made a huge mistake not looking at the routing numbers to make sure they were all there, telling her that every other teller has placed a seven day hold on the out of state checks and that they too are liable. Tina continued to tell me she doesn’t care and that she will do what she can to get the money. The only income I receive is from Social Security. I get that because of a work injury from June 2010. Knowing that Paper City Saving never closed my personal account even after them telling me several of time that they did and the bank garnished my only income. I called Tina on Feburary 1st in the morning to explain that they all told me that my account has been closed and knowbody can access it and that they lied. She said she will do everything in her power to make sure all my funds continue to hit that closed account. Not only did they lie to me saying that my personal savings account has been closed but they broke the client confidentiality agreement as well. I asked Tina to give me the money back and she said that I still owed the bank another $1,200. I contacted the Wisconsin Rapids Police Departmant and explained to them what the bank did to me about them pretending to close my account and breaking the confidentiality agreement and the officer said on Monday morning that they will assist me on getting those funds back because the bank lied to me about closing the account and that they can’t do that because all of this is being investigated. I Called the bank back and talked to Tina and recommended that they too get the local law enforcement envoled so that things will get done fast. She told me that if I don’t give her the money or sign the paper that she would have the officers come talk to me. I have been talking to the officers for four days now and still moving slowly. I am still receiving texts from these guys that are scamming and I have more checks that I haven’t taken in yet and the FBI told me to sit tight and await for someone to give them too. My intentions were only to sell things on Craigslist to make a little money not to go through all of this and have a huge debt now. Now the bank just closed my personal account after they took the SSI payment. I am so embaressed as I can't see myself going into the bank. I have tried closing my accounts but they won't. They made me feel as if I did something wrong and continued to make things more worse for me including people that didn't belong into this equation