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Posted: Fri Aug 17, 2007 6:18 pm Subject: Caution! USFastCash and Bank

As you know (or not) here's the story in a nutshell. I'm livid right now. Months ago, closed my bank account, pdl debits forced it open, fought to get almost $1000 of debits and NSF fees reversed, succeeded, put a total block on the account, nothing went through for months, no problems, pdl debits being rejected left and right. TODAY, I come home and there's a notice from my "old" bank that my account is overdrawn over $600 and I need to take care of it immediately. WHAT?!?!?! This is the account with the total block on it for MONTHS. 14 cents sitting in there with a total block. Okay, I freaked, called the customer service number. Found out USFastCash put through an electronic check for $560 (can you believe it????)Drove 100 mph to the bank, got the branch manager (she knows me well). Had my freak out/panic attack. Asked her "What the hell happened to my block on my account? Why did this go through?" Was told the company (5/3 Bank) recently did a "thing" (yes, this is the word used) where they took off all debit blocks off everyone's accounts! WHAT!?!?! So she put the block back on (gee, f'n thanks) and asked me if I wanted to close it out. Told her that's what started the problem. Closed it, forced open, negative, fight, blah, blah. Put a block on it, everything fine, now BAM, hit with a pdl electronic check. So she tells me the $560 was returned (of course, there was only 14 cents in there) and she took off the NSF fee and will remove the 14 cents and close it. I told her I would come back in the morning. I asked her if she could SWEAR to me it would not be forced back open like it was already (duh). No. Okay.... So she said that if it is forced open again, we will go through the process of reversing everyting again and reversing any NSF fees. Good God! I already did this! I'm reliving my nightmare all over again! This post is to basically WARN every newcomers, old member, whoever. Do not trust anyone/anything/any company. I've been fighting USFastCash for months. After battling, heard nothing. Filed all complaints. Not a peep. Now months later, on a Tuesday, they put through a $560 electronic check on my account that was supposed to have a block on it. Okay. Lesson #1. These pdl's will NEVER stop attempting to debit your account. They will lay and wait and debit again. They will not stop. Take my word for it. Lesson #2. Watch your bank even if you have a hard debit block on it. Mine was on there for months with no problems. But suddenly the "company" took off all customers debit blocks from their accounts without informing them. Of course, I am going to go around with USFastCash again. I can't do it tonight because I'm WAY to p.o'd to even attempt it. I think every word would be a curse word. I'll wait until tomorrow. And I am filing new complaints (again) with the BBB,the FTC, and my state AG so they will know USFastCash is continuing to harrass me. Can you believe this? I just want someone to learn from my experience. This is unbelievable. I'm still in shock over it all. They took all debit blocks off all customers accounts? And didn't even inform them? USFastCash waited MONTHS and then tried to slide an electronic check in. Good f'n lord. I'm sooo mad. I had to vent, but also let you guys know - watch out. USFastCash (MTE) is ruthless. And watch your bank regardless of what they do or say. This was done by the entire bank and they did not inform any of their customers. The nightmare is back and I'm reliving it all over again.....

Posted: Fri Aug 17, 2007 6:24 pm Subject:

Ahh Cannr I'm so sorry. What a way to end the week. We will get these places we just have to stick together and keep telling everybody that comes through here file with BBB and file with your AG. Sooner or later someone somewhere will get the message and champion the cause to shutdown MTE once and for all.

Posted: Fri Aug 17, 2007 6:51 pm Subject:

I am so sorry Cannnr...I can't believe they did that...Now I am glad my bank finally closed my account due to the nsf's...may cost me a bit but at least I know the money is going to the bank and not a ipdl!!! Try to have a good night...things will look different tomorrow...you will succeed!!!!!!

Posted: Fri Aug 17, 2007 6:55 pm Subject: mperez

Thanks for your encouragement, mperez. I'm sooo ticked at USFastCash right now. If I had the money (LOL!) I would take a friggin road trip this weekend and find their ass. They all as illegal as illegal can get and they keep pulling this crap! And now the banks aren't even doing good "customer service" by informing customers that debit blocks have been removed? Ummm...that's a little IMPORTANT information that customers need to know. MTE will NOT be rid of me. I swear to goodness, I will re-file every friggin MTE pdl I have. And USFastCash is in for a blasting when I calm down. Not that they give a crap. But, mperez, these are the people that emailed me and told me over and over in BIG BOLD letters to "leave them alone". Can you believe it??? Oh my God. Then they started sending my emails back to me. What the??? Oh my God.

Posted: Sat Aug 18, 2007 8:14 am Subject:

Wow, CAnnr. I hope you wasnt banking with BOA. They suppose to have a freeze on my account but as soon as i get some money Im paying it off and closing it for good.

Posted: Sat Aug 18, 2007 8:18 am Subject:

Lesson # 3...

Totally close out your account and move on to a new bank!

Posted: Sat Aug 18, 2007 10:28 am Subject: respone

Thanks for the encouragement. And, regarding lesson #3 - closing your account. Yes, I know. However, at the time, I had to wait for all the hoopla to clear out (the pdl debits, the bank fees, etc) so they blocked the account (supposidly). I know to close the account. In my situation, it was not possible at the time. I got on the computer this morning & checked (after my frantic trip to the bank yesterday) and they had reversed the fees back. I now have 14 cents again. I drove to the bank again this morning (Good Lord). I got the branch manager again. I told her to close it out completely. Of course, was told again it could be "forced open" if pdl debits go through. Yeah, played that game, playing it again. So the branch manager told me she would "take care of it". Ummmm....thought it was already taken care of. It was closed in the beginning, roadwarrier (regarding your lesson #3), but forced open. Then the fight with reversing everything which made just putting a block on it necessary. I know to close my account. I did that. Now I get to play the game all over again. I told the branch manager that USFastCash is going to get that $560 returned and just try to send something through again. I stressed this. She said "she'd take care of it." Do I trust them? Hell no. I'll have to watch my closed account like a hawk every day again for months to make sure this doesn't happen again. Because since USFastCash is an MTE d/b/a - do you not think MTE is going to try putting through more debits because they think the account is open again? Hell yes. So, here we go. Around the merry go round with the bank AGAIN. And, for your information, it was 5/3 Bank that took the debit blocks off everyones accounts. So if you're a 5/3 customer and have a block on your account, I do suggest you call and verify that the block is still on there.

Posted: Sat Aug 18, 2007 10:34 am Subject:

Why are you holding the account open with 14 cents?

As long as it has a balance it is an open account. Shut it down!

Posted: Sat Aug 18, 2007 10:38 am Subject: road

roadwarrier, that's why I went back this morning. Once I saw the fees reversed off and the balance back to 14 cents, I went to the bank to see the branch manager. I told her to totally close it out. However, this is how it all started! It was closed. Forced open. So now it's closed again. I'll just wait and see if it's forced open again. Lord only knows. And I told them to "keep the 14 cents." LOL. Stick it.

Posted: Sat Aug 18, 2007 11:28 am Subject:

Cann, I'm so sorry this is happening to you. How can these banks force open an account, I don't understand it, especially if it has been linked to fraudulent activity??? Doesn't make sense!

If it has a positive balance, they should be able to close it, period. That's what my bank did for me when ameriloan tried to slip one of their paper checks through, they refunded me the NSF fee, and then closed the account. Nothing can go through now.

Posted: Sat Aug 18, 2007 11:45 am Subject:

This is totally insane. And completely illegal, I think that you need to report this latest activity with your bank to Department of Finance with the latest bunch of sh___! What in the hell is a bank that is working for you helping those bloodsuckers stealing all of your money!!!!!! I would be livid!!! I would be screaming at the top of my lungs so loud that the next state over could here me.

ladybug

Posted: Sat Aug 18, 2007 5:15 pm Subject: response

Thank you all. I needed support on this one. I was about ready to go torch the bank, the pdl, everyone! My main concern, besides all the crap they put me through regarding all this for the past two months, is that the entire bank "took off all customer blocks from their accounts". What the hell? That is a huge concern of mine. So.........I will again write the corporate office another letter of complaint. This is getting soooooooo old now!

Posted: Sat Aug 18, 2007 7:13 pm Subject:

I'm so sorry to hear this. It will be ok, I promise you. And if you are going on a road trip to kick their ass, please come and pick me up first. I have a 90lb American Bulldog we can bring along.

Guest · Posted: Sun Aug 19, 2007 1:42 am Subject:

Heck CannR, I wanna take the ride tooo. Finsfan13 LMK when you have puppies for sale, m/b I'll take a PDL and buy one:)

Posted: Sun Aug 19, 2007 4:31 am Subject:

That was me. Forgot to sign in AGAIN

Posted: Sun Aug 19, 2007 4:38 am Subject:

Cannr, i will be waiting for those recordings.
I posted this, but it didnt go thru. Watch, now it will come out twice.Im sorry about your horrible episode with all your banking crap.How horrible. Anyways . be sure that account is closed. Thank god that when I closed my accounts at Wamu they told me it was not their policy to force open accounts. Hope I can believe them

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