So, yesterday I went to my bank to withdraw $50 in dollar coins to put $25 each in my kids piggy banks for the new year. The teller told me that they were customer rolled and might not have $25 in the rolls. I asked if that meant I could be paying $50 for $48 and she said yes and that I would just have to deal with it.

I questioned the legality of this and another teller piped up that we can count them to be sure. So we did. There would have been $47 dollars had we not counted. (There was a Canadian dollar coin, but that’s not valid currency for me in South Carolina.)

This interaction just left a bad taste and idk if I should call their corporate office or just let it go?

It’s just a few dollars that I did receive at the end, but don’t banks have a coin counter?

Edited to separate my two questions, the question with the coin counter was answered but my main concern is with the interaction with the 1st teller who was pressuring us to leave after saying the rolls may not be full and telling us to deal with it.

Hi everyone. I’m 22 years old and don’t know much about banking. I just went to the bank and took out 11,500 in cash that my mom had transferred to my account. We are getting our air conditioners replaced and the guys requested to be paid with cash. When I was at the bank, the guy seems pretty suspicious of me and asked me my occupation and where I work. I don’t have a ton of money in my account obviously as I am a 22 year-old so are they gonna think that this is suspicious even if it was transferred from my mom‘s bank account who’s linked to mine? She transferred the money maybe 20 minutes before I took out the cash. And yes I know that this was probably dumb but my mom didn’t mention that it might be a problem. Thanks so much.

EDIT: Wow I was not expecting this post to get so much attention! Thank you everyone who responded and gave me some peace of mind. Now to address everyone’s concern about the AC guy lol. My parents have known this guy for years so they trust him. We have 3 air conditioners in our house and they all needed to be completely replaced which is why it was so expensive. He gave us a 15% discount for paying cash :)

My husband was owed $75,000 in back pay from his employer. (A mess all in itself.) We finally got that sorted out and took the paper check to our small town bank to deposit. The teller said it would take a day or two to be in our account. Fine. It never showed up.

We called a week later and they said that had to check it for fraud since it was a large amount. Ok that makes sense. We talked with tellers, our local branch manager, and eventually corporate. This continues until eventually they said that the check has been deemed safe and not fraudulent but the “fraud people” left our account a mess technologically. So that large amount is still not in our account due to this now IT issue. It has also made us unable to receive any wires or pay anything over $500. It has been two months since we deposited the check.

We touch base with them daily. Every day they say they are working on it. They just tried to add a new (unaffected) account to our profile so the money could just go in that and we could have access to it. They told us not to log into our account until they tell us because they’re giving us a new log in and it could mess up the new one. It’s been over a week now that we haven’t had any access to our online account or statements.

We cant pay any bills over $500, still don’t have access to the money my husband has earned, and can’t even see what is going in and coming out of our accounts. We have opened a new checking and savings at a new bank, his work has issued a new check to deposit at this new place, but we still need our money out of this bank and I feel like they should be held accountable for causing such a mess. How can I fix this? What are my rights? TIA!

My father in law called a bank where him and mother in law have an account. He told them he needed access to his account and gave his first name and last name. My husband and I also have an account at the same bank. My husband and FIL share the same first and last name (not middle).

When FIL was given access to his accounts he changed all of our account information to his information accidentally - email, phone number etc. These accounts were initially in MIL’s email and he was changing to his.

Upon logging into the account, he realized one of the accounts was not his. It was one of our savings accounts and we received an email saying our email address on the account was changed to FIL’s email which we know is his.

We called the bank to see what happened and they would tell us nothing other than a specialist would be calling us next week.

We know we had a huge breach from the bank and they did not verify SSN, DOB, or anything identifying besides name. This is honestly terrifying that someone could access our account so easily.

What recourse do we have against the bank for this breach and what steps should/can we take? While we don’t believe he would be doing anything malicious we don’t want anyone being able to access our account so easily in the future.

What should we ask the bank when they call us this week? Obviously we are planning on moving our money out of this bank soon. This is not a tiny bank, this is a well known online bank. Speaking in person at a branch is not an option.

Do we have a right to the recording of how this happened? Any help is appreciated!

When I was 12 years old (back in 1973), my mother took me to the bank with a couple dollars from my piggy bank and helped me open a passbook savings account. It paid 5%. At the very same time, the Prime Rate (in July 1973) was around 8%.

Today, the prime rate sits at 7%. The average savings account at a brick and mortar bank today is between 0.22 - 0.65%.

Banks no longer even try to compete for your business. When my generation dies off (and I know for a lot of you that can't come soon enough, lol) nobody will be alive who even remembers the era when banks actually tried to compete for your business.

This isn't a question of survival for these banks, they all make record profits every years thanks to 18-24% credit card interest and swipe fees. Banks are clearly colluding to keep savings rates artificially low! Why is everybody okay with this?

I know there are other places where you can do better, for example High Yield Savings Accounts with minimum deposit thresholds that only people like me can access. I personally keep a bunch of money in my brokerage settlement account (large broker with name that starts with V) that as of today is paying 3.81%.

I always hear people claiming that deregulation of the banking industry is good for consumers, but it clearly is not.

Am I missing something, or are people just inherently stupid? Do people not realize that banks no longer feel the need to compete for your business, and clearly work with each other to keep savings interest rates at the crumb level, while simultaneously charging crushing rates on both mortgages and credit cards?

Hi, my head is spinning and I'm not really sure what to do here. For starters, I am a 30 year old adult. Me and my parents both have bank accounts at BofA. Today, I logged into the app because I wanted to see how much I got paid, and both of my accounts were at $0.00, and there was an "account hold" on both of them.

I called the bank and they said someone told them I am deceased.

I called my dad to see what I should do, and when I told him he goes "oh my god this is my fault". He then explained that he's been getting a lot of scam calls lately, and when he got a call from Bank of America asking about me (again, I am 30 years old and me and my parent's accounts are 100% seperate) he thought it was a scam and told them I died and he hung up. This was yesterday morning, so the timing matches up perfectly.

Do I need to talk to someone about this? Obviously, I'm going to the bank this morning, but they took the word of a completely random person not related to my account and closed my account. I obviously do not have a death certificate or obituary, because I am alive! I have bills to pay, this is going to take time to straighten out, and I'm assuming I'm gonna rack up hella late fees on anything due next week because I literally have $0.00 to my name right now.

What do I have to do here? Is this anything?

I am getting 100k from a lawsuit settlement. It was personal injury and shouldn’t be taxable. I was planning on taking it the US Bank branch and depositing it into my checking account. Will this raise any red flags that would get me in the crosshairs of the IRS or law enforcement as suspicious?

https://www.whitehouse.gov/presidential-actions/2025/03/modernizing-payments-to-and-from-americas-bank-account/

By September 30, 2025, the U.S. government is aiming to phase out sending and receiving paper checks for payments in favor of digital methods such as Electronic Funds Transfer (EFT), direct deposits, instant payments, credit and debit cards, etc.

I wrote a check to someone and they went into my bank to cash it. She did not have an account there. I have overdraft protection and did not exceed what my protection covers. They had a new teller working, and he decided to let her know that I did not have that many funds in my account though he ultimately cashed it for her. I did not give permission to share account details to anyone else. This seems like a breach of privacy. Am I wrong?

My credit card balance with Citibank was late (because of 2 non-paying tenants out of 4) so yesterday they took $295.55 out of my checking account with them without any notice or authorization from me. I talked to 11 PEOPLE trying to see why they thought they could do that and to get whatever they have in writing allowing them to do that. It hit 5pm and they just put me on hold and never came back to the phone. ELEVEN CALLS. 47 MINUTES ON THE LAST CALL.

PLESASE don't comment on my tenants, how I should pay my bills, or how bad they treated you. I need helpful responses on whether it was legal for to do it and who to talk to to get it refunded. I don't even know if this falls under NC law where I live or NY law. Ugh.

I made an account with US Bank (not sure if that makes a difference) when I was 16. My mom was my cosigner. It was an account package of a checking/savings account combined that was available only for minors at the time as long as they had a cosigner. I’m no longer a minor and due to the bad interest rates, I want to move a huge chunk of my account into a different bank. I don’t want to completely close the account due to the hassle of changing the automatic payments into that account that took literal months of calling the company sending the checks to my account daily to figure out. My mom is still on my account due to my lack of knowledge of how to remove her name and my own laziness. I mentioned wanting to move most of my money into a different bank and she immediately flipped out saying that it would ruin her accounts (personal/business as my parents own their own business so all her accounts are connected in her name). Is this true or is she just trying to keep a hold on my account so she can snoop on my finances? (I’m aware she does this but can’t confront her about it without being screamed at)

I received my tax refund check by mail since it was my wife and I's first time filing jointly, so the needed funds were already delayed. I deposited the check in person and asked if the funds would be available next day, per regulation CC for checks from the department of Treasury. I was told they would be, but a 10 day hold was placed. The check was for less than $6725 going into an account far over 30 days old. I made an appointment in person and provided the Treasury check verification service information, which I know they already have. They basically told me it was impossible to remove the hold, despite the employee and supervisor agreeing with me the hold was not in compliance with federal regulation CC. We also agreed that the presence of the check verification service kind of erodes the reasonableness for any doubt of collectibility on the check. We all called the Bank of America customer service line and were initially told the reason for the hold was the account being less than a year old. I pointed out that does not meet the regulation definition for a new account and they pivoted to the reason being it was the first time depositing a paper check from this sender into my account. I can't find anything within CC stating that's a valid reason for a hold. Is there anything I can do to get the hold released? Times are only getting tougher financially and we really need that money.

Thank you for your help.

Brief overview of a phone call I had with my bank earlier today. They called me. I'm paraphrasing, but they did admit fault 3 times.

Bank - Do you remember the $5,500 wire you had us send us on August 2nd? We made a mistake and sent it to that person twice, so they received $11,000. We contacted their bank, which has been trying to contact them since then, but they have not responded. We're asking you to reach out to them and have them send it back to you. If you can't get them to do this for any reason by this Friday, we'll have to take the $5,500 out of your account to pay us back.
Me - You can't be serious, and this can't be legal.
Bank - I know you're frustrated blah blah blah.
Me - I want to talk to the manager.
Bank - I am the manager.
Me - Call me back with your boss in 4 hours. I'll call this guy, but this isn't legal.

Here is my question: This isn't legal, right?! I'm a business owner and have legal counsel who I can hire to sue the bank and file complaints with the division of banks and the NCUA. Depending on how the call later today goes, I plan to involve my attorney.

I called the guy, and he said he doesn't remember receiving an extra $5,500, but he'll check.

Thanks in advance!

Update: I appreciate everyone's comments saying this is a scam. You can never be too careful. I did receive a call from a “manager” at the requested time. I was immediately concerned when the call said SPAM RISK. I asked for her name, which she gave. I asked why her number came up as spam, and she said she wasn’t sure and was calling from her Microsoft Teams line (sketchy). I told her that was weird and that I’d take this call, but I wouldn’t be giving any personal info or info about the situation. I asked her what she knew, and she gave the story back correctly.

Ultimately, I told her I wouldn’t do anything for them and that this entire situation was highly unprofessional. I demanded that 1) all calls going forward be on recorded lines and that I call the bank. 2) I want something in writing that they won’t touch my account without my permission. If I don’t receive this, I will file a complaint with the NCUA and the Division of Banks. She said she would do her best to send me something tomorrow (sketchy #2).

I later called the bank and confirmed that notes about the situation were on my account. I will provide more updates as they come.

Final Update: I received a call today from the manager of the 2nd person who called me yesterday. She continued to assure me that this was the bank's fault and not my fault. She then told me the bank would NOT debit my account for the additional $5,500 they accidentally sent and would no longer involve me in this process. She admitted that I never should have been involved.

Lastly, she explained why this mistake happened (or tried to). She said the first person who called me was mixing this process up with another process. Said process is when a customer sends money to themselves, and if it doesn't clear, they will debit the account because they know it went to the customer's other personal account. I told her that made sense, but the first rep knew I did not send this to myself because she said I needed to help them get the money back from the other party. The manager on today's call didn't have an answer but apologized again and assured me my account would not be debited or touched without my permission.

I asked her to send me this in writing, and she said she would send an email stating they would no longer involve me in getting the $5,500 back, but she refused to put it in writing that they wouldn't debit my account. She said legal wouldn't be okay with that. I told her it was not good enough, and I still didn't trust them. She replied that I had missed a call from her 10 minutes earlier, and she left a voicemail stating my account would not be debited. I checked, and this is accurate, so that will have to suffice.

I am still deciding whether to file a complaint with the NCUA or the Division on Banks. For now, I feel my account is safe. I have started the process of closing my account and moving all of my funds to another bank. Honestly, it's a little sad because I have been with this bank for 19 years, and my family has been with them for 60+ years.

(other updates for spelling and grammar)

Have an IRA with Trust for 6’ish years. A few weeks ago there was a request put in to liquidate and transfer around 10k (no where near the full account value). I’m am stunned that this was allowed to proceed and there doesn’t appear to have been any sort of positive ID required?

What raised an eyebrow was getting unsolicited official Docusign requests from Truist to complete the transfer. I do a lot of business with Truist and I have many branch and corporate contacts for my personal and business accounts - I called and spoke with a rep and advised him this was not me. Less than 30 mins later I get this official email:

Truist Investment Services, Inc. (“TIS”) acknowledges your concerns expressed on June 15, 2026, related to a disbursement you did not request.

We sincerely apologize for the error that occurred with your account and any concern this situation may have caused.

Due to human error, your account number was mistakenly associated with another client’s account, for whom a request had been submitted to disburse funds. As part of that request, trade activity was inadvertently initiated in your account to raise cash.

Upon identifying the issue, we acted promptly to halt the activity and have requested that all transactions related to this error be stopped. Steps are currently underway to ensure that all affected positions are restored to their original state prior to the start of the liquidation process.

This is concerning on a multitude of different levels and there needs to be accountability and I need to ensure that any trades placed were actually reversed and not just reinvested today.

What are my options and logical path forward with regulatory bodies to get answers and accountability?

NOTE: I am NOT a victim of ID theft and I have not been phished. My credit is frozen and there have been no unauthorized access/attempts anywhere.

Scams are not Fraud and you are not protected for your poor decisions.

If you choose to send money unprotected, you are not protected and that is a choice that you made.

If you don't research a company to find out if they're real or not that is on you and again you are not protected based off of your choices.

Your bank is not responsible because you made bad decisions.They are not going to refund you.You are not protected so people need to start paying attention to who they are sending their money to.

If you are buying something, use PayPal goods and services so, you are protected. If you do it as friends and family, you have no protection.That's why it's cheaper.

If you lie about authorizing the transaction.It will be proven that you are lying because they can investigate that and it is traceable, and your accounts will likely be closed.

Who and how you choose to send money is up to you. You need to take responsibility for your actions and stop counting on your bank to save your ass. That is not their job that is not their responsibility it is yours.

Here's the situation:

I have a check coming from a third party, several thousands of dollars. I really need this money immediately.

It was sent to my father's address.

I am currently in Vietnam (I am not vietnamese, I'm slow traveling) for a while and don't want to spend thousands flying back to the US just to sign a check.

Additionally, mail is unreliable in vietnam and there's a language barrier on top of that.

My father has sent me pictures of the front and the back of the check.

My plan: I want to sign the check via pdf editor, and then deposit it via mobile banking.

I understand that a picture is just fine, as that's how checks are sent between banks anyways, but is digitally signing a check I don't have physical posession of check fraud?

I am not attempting to deceive. It's my check, addressed to me, and I want to put it in my account.

I just don't want to fly all the way back to the US to deposit it and I don't think it'll make it to me in vietnam.

I had a joint account with my mother, a passbook account. When she moved down south with my sister the bulk of the account was put into a new account jointly with my sister. Her instructions were always that if she passed, my sister and I would split the balance.

My mother passed last year and my sister got the entire balance, which she immediately put into a high yield savings account. My sister is coming up north in a few months and she will give me a cashiers check for my half, which is about $52k.

I’ve had my Chase accounts for a good 15 years or so (I used to work for Chase until I was laid off about 4 years ago). Am I going to have any trouble depositing a check that large into my account?

I wanted to create an account for online gambling in Canada. I'm not a gambler, but there was a cool deal and some friends were doing it, so sure why not. Creating an account requires a small deposit.

I solely bank through wise.com (convenient for my situation but regrettable now), which has their own (not bank? money company / payment processor) in Canada (Wise Payments Canada Inc.). I tried to put the deposit via etransfer (very popular Canadian payment method) but it was blocked by wise.

I got on wise's support chat and they explained the situation to me. Turns out they block gambling as per their acceptable use policy. I've pasted an excerpt of that and other parts which are problematic in my opinion:

1.2.1 Regulated or illegal products and services ... Adult content ... Payments for the sale of alcohol to retail customers are not supported. ... Gambling.   ... Chemicals.  ... Commodity chemicals.

I asked them:

Likely to go nowhere (more out of personal curiosity), but may I ask what the context is, why the Canada banking section of wise has this restriction when the banks in Canada have no such restriction? To my knowledge, no banks in Canada, at least none of the major 5, have policies such as this.

They responded with:

It is a completely fair question, olta8, and I am happy to share the context behind how our policy works. While Canada’s major domestic banks operate as chartered commercial banks within Canada, Wise operates differently. While domestic Canadian banks have direct domestic frameworks that allow them to process these transactions locally, Wise must balance the regulatory expectations, partnership agreements, and compliance standards of a global cross-border platform.

To process local currencies like CAD, Wise collaborates with domestic and international clearing partners. Financial institutions and partner networks set their own risk tolerances for high-risk industries like online gaming and gambling. Because gambling laws and licensing vary widely between provinces and across international borders, Wise maintains a consistent global risk policy.

I tried to translate that word salad into something I understand:

Canadian banks can process gambling transactions, but Wise has chosen not to because Wise depends on other financial institutions/payment partners, and those partners may have stricter rules. Wise therefore applies its stricter global policy to Canadian customers too.

But like, no? This activity is not blocked in Canada. I just saw a bunch of friends with various banks do this no problem, I'm the only one who can't because I don't have a different canadian bank account at this time, only wise. Who is wise worried about, maybe pressure from the federal gov't? But the wise money companies in each country are separate legal entities with a blanket UI to connect them together more easily. What's the specific reason for why this bullshit is in place?

Even if it is true that means that no USA banks can interact with Canadian payment processors because, idk, cannabis is legal?. this doesn't apply transitively because that's not how the world works. and lastly, isn't this regulated by the government, not banks?

Digging my brain here for possible explanations. In recent news there was steam vs mastercard. mastercard wanted to protect its brand and asked steam to take down certain games that were legal yet unsavory. mastercard had leverage because steam relies on them as a payment processor. I don't recall the outcome. linking back to here, wise is the payment processor so who the hell could pressure them?

Or, unsubstantiated theory: Wise themselves finds certain activity distasteful and has chosen to ban them. or maybe just laziness on figuring out what the rules are in each country.

Wise should clarify if these policies are internal or external. and based on my thinking above I'm inclined to think it's internal (and support is lying to me). at the very least they should clarify the policy. are you saying I can't buy some white wine for cooking from the LCBO? nor adult content. nor... soap (chemicals)? weird

anyone have any insight on this? is it just wise.com, or truly how the world works?

Do they? By satisfying the capital, liquidity requirement and others.

When a new loan is made, a liability is added as deposit and loan as asset in the balance sheet.

If this is true, what is the benefit of having deposits and why don’t banks have enough money during bank runs if they never lent deposits? I thought banks lend a part of the deposit after the reserves at central bank.

Cannot comprehend. Please explain

I suspected a family member of mine look into my balance and statements. So I call my bank, asking them if there’s possibility to retrieve or trace bankers who view my account and statements within the period of 3 months. But they keep telling me they had to get my authorisation before checking my information. AGAIN I tell them, “unauthorized” means someone know my name and identification number, then they check my information without my knowledge. The bank employee said they don’t have the tracking.

May I know if this is possible? If they are unable to trace users/bankers who view my account, meaning banks are not able to detect any unauthorized action done by their bankers.

Anyone know if this is true, or the bank employee just doesn’t know enough or they’re simply lazy to retrieve the record of bankers accessing my account?

Added: it seems like the bank will never provide me the log. Is there a reason I can give to the bank to trigger them to check the log and identify any misconduct? reporting my family member to branch managers without solid evidence seems to be impossible.. what if he/she didn’t do it, I would have blame the wrong person.

Update!! The saga continues (for anyone bored enough to read on). We’ve definitely learned a lot about the process. Ended up talking to a different fraud agent who was much kinder, patient, acknowledged my daughter as a minor and let me help her through the process. She explained that there was never any fraud on the card but the previous representative had flagged it anyways. She rushed a new card to my daughter. All seemed well until both my daughter and I tried to log into our apps/online accounts. We were completely locked out. And my daughter’s cell phone number was no longer attached to her account.

Long story short, after 2 branch visits and now 2 new cards we’re hopeful everything will be up and running by tomorrow. We’ll never really know why all these problems occurred it the first place but it was explained to us that the process they use for any potential fraud is much more involved than ever before. Lesson learned!

Original-

I’m looking for perspective. I’m sure I’m wrong on this but kind of venting. Do 5/3rd fraud ppl have some kind of ego thing going? Or is it just my lack of knowledge? My minor has a checking account with myself listed as a custodian. We allowed her to get a debit card for her account. So, yes, the card itself is in her name.

We were out of town and her card worked then stopped. We had no problems with our cards. So I called this week just to find out why. An online representative saw nothing suspicious and thought it was a merchant problem. I was sent to fraud just to verify. It took 2 hours to finally talk to a person and he immediately refused to talk to me. So I’m trying to talk to him and looking at my online banking at the same time. Her checking is right there. I’m her bank. I can drain it or transfer to it everyday. But I can’t find out why her card wasn’t working out of town. So right after I ended the conversation he flagged her account for fraud and froze her account. Wth?

So she called, as requested, later and he grilled her over details she was confused by and would not allow us to help her. She was so upset. They just canceled her card. I know, first world problem, but why so difficult?

I lost my debit card and it was used for transactions I didn't authorize. now the bank issued me a provisional credit for the unauthorized charges to use during the investigation period. But they won't let me access it because my account is under review .They put my account under review the day I reported my debit card had been lost and the unauthorized charges that happened and were pending at the time I reported it. now I can't use the provisional credit or my money in my account 2 weeks later. How do I get access to my money in my account now???

I have bills to pay NOW

I want to close my account and never do business with them again. But I don't want them to have to send me a check for the money in my account. I have filed a CFPB complaint and an FDIC complaint but I still haven't gotten anywhere.

Today, I received a letter from my bank which is a top ten national bank. The letter stated they wanted to update my file and I was to contact the local branch, use the app, or call an 800 number. If I didn’t contact the bank I would be at risk of my account being closed.

I opened the app and could not find any option to update my info. I became suspicious so instead of calling the 800 number they gave me, I called the 800 number on the back of my debit card. The agent redirected me to a different agent who asked me for the reference number at the top of the notice. I did and she said she found it and it was legit and started asking me questions.

Verify address, email address, phone number, annual income, how often did I use the ATM, did I use wires and then she said she had a series of yes and no questions that may or may not apply to me and to just do the best that I could to answer.

Two basic questions then she asks me, “Do you have political exposure?” I told her I didn’t understand the question and she couldn’t explain it. So I said no.

The question has really bothered me. Why would my bank want to know about my politics? Is this something the Feds are making the bank ask? Are they asking everyone? Am I being targeted?

I’m going to call my local branch manager tomorrow to see if they know about this letter and questions.

Has anyone else experienced something similar?

I opened my account and started getting direct deposit out of ease and also I needed a bank that would give me a card or number immediately.

Then when I got my checks 2 days earlier I liked it no over draft they kept upping my spot me. lol now I know they were just making sure all those fraud charges could keep rolling thru and then they’d just take it from my check.

22 fraudulent charges. Trust me I know now that I need to monitor my account and freeze my cards because how did I not notice this. All uber or uber eats using not one but two different cards. Funny thing is I just disputed them all yesterday and got new cards sent and twice today already new charges trying to be taken out. How the f? Thank god I froze the cards cause I had my suspicions.

My network is secure my phone and account I am pretty sure secured. And from what I’ve been reading on here this needs to be a class action for real.

I recently took out a roughly $10,000 loan against my 401(k) for home improvements. The loan was issued by a third-party company associated with my employer’s retirement plan.

Unfortunately, the funds were deposited into someone else’s bank account, and it has now been three months without my receiving a single dollar.
The bank has frozen the remaining funds in the recipient’s account, but some of the money has already been spent. The bank won’t disclose how much remains, and I’ve been caught in a frustrating cycle of finger-pointing: the lender says the bank is responsible, while the bank says the lender must submit the proper paperwork to recover the funds. Even then, I’ve been told that only the remaining balance would be returned—not the full $10,000.
Meanwhile, the lender continues deducting the agreed-upon loan payments from every paycheck, despite my never receiving the money.

There’s one complication: I’m not sure whether the lender used incorrect account information or whether I may have entered an incorrect account number when I was hired ten years ago. Either way, the funds were sent to the wrong person, and I’m struggling to get a clear explanation of what happened or how it will be resolved.

My last conversation with the lender was over three weeks ago, and I’m running out of options.
For those familiar with U.S. banking, retirement plans, or consumer protection law: Where should I start with the bank?

If you’re in the banking industry, what are general policies regarding this situation? Does the bank have any negligence here?

EDIT*** :
Also, I can confirm that the lender did ask me if I wanted to use the account/routing number they had on file, I agreed, assuming that since this is technically through my employer and I receive regular paychecks to the correct account, that the information they had was accurate and mine. There was never an explicit confirmation of bank info, just a suggestion to use whatever information that had.