<prompt> Human: On the 16th, I deposited 2 975 money orders into my US Bank account. They were somewhat suspicious, so when I went in the next day I asked how long it takes to verify they are not fraudulent. The teller told me to wait 3 days to access the money to be sure. On the 19th I called the fraud department and, after voicing my concerns, was told the money was fine to access and that there were no Fraud Alerts. I proceeded to use most of the money to pay my bills, only to find that on the 29th, the money orders turned out to be counterfeit. So they debited my account for 1,950 and sent me a letter saying Sorry you got screwed. I have 3 conversations recorded from Bank reps; and 2 of those reps told me that it takes no more than 3 days for the funds to clear. They basically told me to find the crook who gave me the money orders. The problem is that that person, as one would expect, disappeared. Should the bank be held accountable to their word? Or what?EDIT: I am an independent household goods mover. This guy called me about moving him to Vegas. We negotiated, and I obliged. I neglected to tell him cash only which sucks because I always forget to tell people that and so, at the end of the move, he gave me the orders. He also tipped me with cash, however; and I didnt think much of it. It was a fat tip. He seemed genuine. I didnt think it was so common to fake money orders. Anyway, I tried calling him and e-mailing him, and hes in Vegas, and I will probably never find him. Thats basically where Im at with it right now. I thought they were suspicious because it has the name of a cement company on it, based out of NY. I didnt scrutinize the bastard or his money orders at all. That cash in hand was basically enough proof for me that he was legit.TL,DR: I deposited 2 counterfeit money orders that I was paid with. The bank debited my account for the balance, even though they had told me that the funds were clear. The crook disappeared.  <response>: You are 100 liable for bounced checks or money orders deposited into your account. 