I am pissed at my previous bank!!!

Bottesini said:
You should inform the main bank that is not just a branch if you had savings and it was supposed to be used for overdrafts.

Somebody should be penalized for not doing their job correctly.
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The bank is doing an internal investigation and so far 2 people have been suspended. Possible terminations since it is involving Social Security and possibly the Feds as well.
 
Done and done Ms. Botti... What a rude person that newbie WAS. lol

No worries Kristina. Just a newbie who is needy for any attention at all. Sad that one.
 
KristinaB said:
It is NOT my fault. Yes, we made a mistake (hubby actually) and we have always (only 2-3 other times in 16 years) taken care of it. BofA is a crappy bank and we used to have an account there until they called the police on me for taking a note to the teller detailing the 5 things I needed.

I have since gotten an apology from the bank and they want to reopen the account. I have told them no. They admitted that they did not look to verify that a deposit was coming before doing this and if they had checked, it would not have been closed. The agreed that we have not been "unsatisfactory" account holders as we have mostly had a positive balance or made it positive within 1-2 days, and they acknowledged that the negative balance only occurred 3 times in 16 years.
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wow, BoA called the police for writing? that's crazy. I guess we should make sure we start out our notes "I'm deaf"
 
Actually this shouldn't have happened. It takes much longer than a day for an account to be inactive. 6 months actually is usually the norm. But if you have frequent deposits and automatic w/d's then this shouldn't happen either. Also if your account is in overdraft and you have overdraft protection it shouldn't be closed either unless it's over your overdraft limit. Furthermore, closing an account isn't automated. It's done by a person so whomever closed your account should have looked into the situation further and seen that your account was actually was within your overdraft limit...even if it wasn't It's not like you constantly keep your accounts in bad standing, I would think, and previous transactions in the account should have been reviewed before closing. And the only way the bank can send back a credit to your account or debit is with the account holders authorization UNLESS or it's garnishment from a company or gov't or due to other reasons that you would know about.
 
AliciaM said:
Actually this shouldn't have happened. It takes much longer than a day for an account to be inactive. 6 months actually is usually the norm. But if you have frequent deposits and automatic w/d's then this shouldn't happen either. Also if your account is in overdraft and you have overdraft protection it shouldn't be closed either unless it's over your overdraft limit. Furthermore, closing an account isn't automated. It's done by a person so whomever closed your account should have looked into the situation further and seen that your account was actually was within your overdraft limit...even if it wasn't It's not like you constantly keep your accounts in bad standing, I would think, and previous transactions in the account should have been reviewed before closing. And the only way the bank can send back a credit to your account or debit is with the account holders authorization UNLESS or it's garnishment from a company or gov't or due to other reasons that you would know about.
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This is a sensible post by our resident banker. Good one.
 
The problem with being online (vs. in person) is that if you don't type out every single step of the way, things get missed or not shared. Who are we to judge or assume anything other than what she has shared?
 
Mod note:

Posts are cleaned up... if someone is trolling... let me put this way:

gunner-albums-real-female-guitarists-picture7094-do-not-feed-troll.jpg


Trolling and feeding trolls are bound to be cleaned up or closing the thread.

Thanks.
 
Thank you Calvin.

Update to this fiasco. The bank reopened my account and my mother's (which was also closed as I am on it) Deposited my check split between the accounts, then closed it and will send me a bank draft with the remaining money and re-closed the accounts.

Somehow I don't think that is right, but I am ready to just chalk it up to a bank with bad judgement. I know I will never be returning to Missouri, so I did not need the account. I have 17 friends who heard about this (I emailed them) and they are closing their accounts and another 34 are waiting for CD's and such to be available to move their accounts. They are all going to the Mizzou Credit Union.

I personally used to work for 2 different banks here in Florida and I know that this bank just used wrong tactics in this whole mess.

I am not going to dwell over this and am just chalking it up to yet another one of life's lessons.

This thread can be closed if need be.
 
I think it should stay open for education/info purposes for newbies coming down the pike.....
 
Kristina, I'm very glad you were able to get that sorted out; better luck with future banking experiences:hug:
 
Then I have no problem for that.

Mods, please do not close this thread. It may be beneficial for educational purposes and I feel that's a fantastic part of AllDeaf.
 
The Chase is my best friend. Oh, it is your responsibility to check your balance to make sure it stays sufficiently above zero/negative. I never get the balance to go past negative one cent. I like seeing my balance to stay above 0.
 
That is interesting sound great hear about !!!! wow hope be you solve many people help you learn how bank! :)
 
Banks are getting really bad today! you really haveto keep ahead of your bank or they will screw you over! I had a friend that had to take her bank to court . It a big lawsuit and was the news paper. I am sorry this happen to you. I had trouble with the bank that had my mortgage . The bank send me a late notice on a payment that I had already paid. I when the my bank that I had checking account with and they me gave a copy of my cancelled check made out for my mortgage of the payment in question and I took it the bank and show a teller the cancelled check that got. i had to go into to work late to do this . The bank did thisto me two times and the second time I was really pissed off and called the main bank and the guy said he was sorry this happen as I was one of their best customer. The bank never said I was late again and clear my late notice from my account so it would not hurt my
credit score.
 
Geez..what a pain in the ass for you KristinaB. All of us make mistakes from time to time but I dont think you should have been penalized for it.
 
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