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 Posted: Mon May 12, 2008 9:07 pm |
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Recently, I've been trying to stop these payday loan companies from hitting my account. But my bank(BoA) won't do anything about it. The branch manager forwarded my story to their fraud department and they said I signed an agreement with them and there's nothing they can do, except wait for 90days, close the account and send me a bill for the negative balance. I'm so frustrated with this, my checking account balance is at -$911. I refuse to put any of my hard earned money into this account, which is why I opened a new account at a new bank. I've sent cease and desist letters to all of them and they are still debiting every 2 weeks.
Now with this rebate coming in, it's going to be direct deposited into this defunct account, wiping $600 off the $-911+. Therefore, I won't see any of it. I guess it's too late to get it reversed, as the IRS said it's too late. I had no clue this would all happen to me, or I would of called the IRS for a paper check months ago.
With my house in foreclosure and a few bills left to pay, this $600 would work miracles for me. Will I ever see this $600? Am I really gonna have to pay the negative balance once the account is closed? Thanks!
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runteldatnagger
Joined: 12 May 2008
Posts: 1
Debtcc Points: 20
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| Posted: Mon May 12, 2008 9:11 pm |
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Demand that they put a hard hold on your account to block the ACHs and if they don`t you will complain to the comptroller of the currency.
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mobile0311
Joined: 05 May 2008
Posts: 560
Debtcc Points: 3170
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| Posted: Mon May 12, 2008 9:13 pm |
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Here is the web site so you will be able to contact them . www.occ.treas.gov
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mobile0311
Joined: 05 May 2008
Posts: 560
Debtcc Points: 3170
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justinhi5
Joined: 22 Apr 2008
Posts: 86
Debtcc Points: 638
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| Posted: Wed May 14, 2008 12:49 pm |
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Was it an internet loan or a storefront? What state are you in? Depending on where you live, if its an internet loan, then it might be illegal. Check the stats on your state consumer laws.
Then BoA would HAVE to close the account and get your money back. Also ask BoA, to put a deposit-only (debit-posting) on your account. That way it's still open but nobody can debit from your account, they can only credit your account.
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eulogyforinnocence
Joined: 08 Apr 2008
Posts: 42
Debtcc Points: 725
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| Posted: Wed May 14, 2008 1:19 pm |
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The problem here is not ACH debits coming out. The account is already overdrawn and the person posting was saying that her irs check was going to be directly deposited, clearing up a portion of her od. It was too late for the irs to change it. Has nothing to do with ach debits.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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