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#17
01-29-2007, 08:26 PM
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cool.........give 'em hell
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#18
01-30-2007, 10:36 AM
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Same thing happened to me with a different bank, expcept it wasn't PDL's, it was flat out identity theft. They wouldn't close my account, they said because it had to be a 0 balance. They kept refunded the NSF fees for about a month, then stopped. They then froze my good account with them, sent me to collections for the $600 in fees I refused to pay, since the transactions weren't mine and the bank shouldve and couldve closed the account or blocked all the transactions (I was not using this account at all after the theft, it was all the person that stole my info). To top it off they reported me to chexsystems for account abuse and possible fraud. The loss prevention dept assumed that since I got so many nsf fees credited that I must've had some sort of deal with the bank employee. Regardless of what police reports I showed to them, they refused to credit my account. It is currently in collections, and as soon as I have extra money I'm hiring a lawyer because this isn't right.
Unfortunatly, without legal help you can't win with banks very easily. You'd think they'd be on your side, and they can be very helpful at first, but if the situation progresses they lie, deny, and screw you any way they can. My advice to you is to find a non chexsystems account, Wachovia will probably report you, if they haven't already. Even if you get an account at a bank that uses chexsystems because Wachovia hasn't reported you yet, if they do report you most banks do chexsystems sweeps and will freeze and close your account. You will have NO ACCESS to your money for whatever time period they decide on. It sucks and shouldn't happen, but does. Some banks really suck!
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#20
01-30-2007, 10:49 AM
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Yes, they can! They will refuse all checks, charge you fees for bouncing even though there is money there, and they will send you a cashier's check in 2 to 4 weeks!!! And this wasn't even a bad account. I had 4 total accounts, 1 had id theft, all accounts were frozen and later closed with NO WARNING!!! I went to the store to get groceries and found out my debit card no longer worked.
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#22
01-30-2007, 11:33 AM
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You could try, but they may not know. It's usually the back office that does that sort of thing, and the bank manager might not even know. When I was going through my mess the bank manager actually told me my accounts were still open and fine when in fact they were frozen and about to be closed. I wouldn't chance it, at best I would leave a couple bucks in the account and take my money elsewhere.
It's their Loss Prevention dept that makes the decision to close the account without your knowledge. I would say there is a fairly good chance your account will be closed, so I would move your money while you still can. Who knows, the PDL's may try to hit your account again, and you will be back in the negative . . . .
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#23
02-02-2007, 05:28 PM
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that sucks i would go to another bank if i were you!
__________________
IN DEBT, BUT STILL BLESSED... 
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#24
02-03-2007, 06:23 AM
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Goudah, this closing of the account has been bothering me for a couple of days so I decided to call my bank and ask them if my account was going to get closed because it is in the negative (again). The rep told me that they do not close account without telling the customer. The account will be closed if it is in the negative for over 45 days. Mine will be back to positive next Friday, so I feel better now.
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