Bank wont close my acct and let IPDLs charge with NSF fee

Well my bank finally closed my account - $2200.00 in the negative and sent it to collections. US bank was no help at all! Their basic response was that it was my fault for giving my account info out and I could not prove fraud. They really did not and would not work with me. If they had I might have been able to stay out of bk, but could have, would have and should have pave the road to hell- I know better now!

I think it is ridiculous that a bank won't cooperate on this, especially if you have been a long time customer. It is nuts that we have to call them and tell them our credit card or check book was stolen. I could have paid off the payday loans with all the NSF fees I have. That is what these idiots don't understand either. I called two of the pdls and told them about pulling multiple debits. I owed one $187, so they pull two debits $75 and $112 Causing me two more NSF fees, I don't see why they think this is to their advantage. They were both returned not paid. That was money that could have eventually went toward paying these idiots off. About 2 more months and I will be out of this mess, can't wait. Thanks to this site, I have kept my sanity through it all. These people could cause a sane person to go crazy.

I know what you mean - because of the multiple debits, my regular bills were also returned and I ended up with no money at all! And owing money to the bank! I told the one bank manager back in November that they are going to be seeing more and more people going through this and that they really should look into what is going on when their customers are floundering in nsf charges and not assume that it is just bad accounting or fraud on the customers' part. The manager said that if you give your account number out the blame is on you unless you have concrete evidence that a fraud has been committed against your account. And you need to provide proof that criminal charges have been filed against the vendor or merchant in order to do this! BS!!

That is total BS . . . . The procedure goes you tell the bank that unwuthorized charges have taken place on your account. The bank investigates and the company that took the money must prove they had authorization. If they can't then the money is returned. There is no police report and fraud charges involved . . . . The bank manager you talked to is crazy . . . .

Besides, in most cases of real fraud on bank accounts, criminal charges are rarely filed because they can't find the person that did it or they are out of the country.

sorry to hear that irish51 & fedup......

I received a reply to my FDIC complaint.
Here it is:



I hope this information is helpful.

Sincerely, "

Basically I had to contact OCC and file a complaint with them. Am I the only one having problems filing a complaint against my bank?

Irhall; follow up on it. They reffered you to the proper agency, follow up with them on it. okie dokie?

Texas, of course that I will follow up with them. Just wanted the rest of you guys have more information in case your complaint requests did not get answered there is another agency that can help.

Thanks.......I'll watch the thread to see what you learned.

Why are banks doing this? You are supposed to be their customer. Used to be they were their to protect the consumer. Mine would not close mine either but told me I could fill out unauthorized ACH forms at any branch and they would not honor the debits when they come in. Getting the forms tommorro for checkngo.