PDL attempted with withdrawal from account AGAIN..

They all do that . . . . Sending out the revoke letters is really so you can show proof to the bank that you revoked. The pdl's will rarely honor them . . . That's why you need to block your account in addition to sending the revoke letters. See the sticky at the top of the forum about closing your bank account. There are some ways discussed in it for blocking the pdl's from your account.

Yeah, I read that... but my bank is one of those that reopens every time an ACH attempts to go through. They basically won'T close my account. They provided me a dispute line to call every time it happens. The fraud department even said, "It's a federal law. These companies have lawyers too. They will stop." I tried to convince him that they won'T and he basically just said that is why we have the dispute line, then!

Did you ask them about putting a hard hold, deposit only, or an ach block on the account? They should be able to do one of the three . . .

That is what I said. In fact, I even wrote down those 3 things that you said. They said that they they don'T have such things as hard hold/deposit only/or ach block. They went into this huge explanation as that everything is computerized. It isn'T like some person is sitting in an office somewhere saying... oh here is one of the PDLs that I have to block. That is when they gave the dispute # and said you can call them each time.

That is basically what my banks said,,,butts!

That is total BS! I would call your state's dept of banking. Tell them your situation and that your bank is refusing to help you stop fraudulant transactions. They should be able to give you some advice on how best to proceed.

But that is total BS. They can freeze an account. Every bank can.

My old bank told me the same thing...that they couldn't do deposit only or stop the ACH transactions. Goudah is right, though, ALL banks have this ability so what they are telling you is false. I was dealing with SunTrust Bank when I started having my PDL issues. I called them three times and they refused to put my account on deposit only status. They said I signed agreements with the PDL's, so I was responsible to pay them. It did not matter that I had all of my agreements and the laws printed out and lying in front of her. They kept on refusing, so finally, every day after work, I went to the bank IN PERSON and spoke to the same woman and told her the whole thing every day. Only after two weeks of going in person did they finally put a deposit only on my account. They also refunded the overdraft fees that resulted from all the PDL's. However, they did cash two checks from a storefront that my husband and I had went to so the account was and is overdrawn for $1300, but we are paying that down through debt consolidation. BE PERSISTENT, and make sure you have all your paperwork in a row. It WILL work out...it has for me finally!

I haven't heard of banks not being able to stop debits or what not....that just seems crazy. They are probably just enjoying the fee income they are receiving, which is real greedy on their part. They are more interested in the bonus on their paycheck than helping out a customer.

Well, my bank is Chase (formerly Bank One). They claim that they are the 2nd largest bank, so they can monitor each account. Which I guess makes sense. They CLAIM that these places have to stop, and if they don'T they will allow us to refute them and will refund all fees. So, I guess (other than wasting everyones' time) there is no harm there - YET. Just as long as they reverse all fees. I tried to explain to the fraud department today, however, that these places will continue to do this and that they will be hearing from me everyday... and she just kinda said that they would be happy to work with us daily. I just know that this is going to turn into a big debacle down the line, and I was just trying to avoid that.

This is CRAZY. Especially at Chase Bank? Hello. They're huge. And they don't "do" debit blocks? What the??? Bull crap. Every bank can put a hard debit block on your account/make it deposit only status/whatever. It is total bull crap that they're letting these go through and then making you FIGHT to get them reversed and then you'll have to FIGHT to get their fees reversed. There is no excuse for this. I would be on the phone with the corporate office at this very minute.

And call your dept of banking . . . . They can tell you what to do or who else you need to contact that can put some pressure on your bank.

I spoke with my corporate office but I think I just got a customer service rep and he was not very helpful but tomorrow I am going to get a manager.

Good! They can do something - Don't take no for an answer!

I am gonna put out simple solution.Close the account in question and problem will instantly be solved.Just my two cents.

The bank is telling her that they can't do anything to stop the ach transactions from reopening the closed account . . . . So closing it won't solve the problem. The bank needs to get it's act together and start working for it's customers!

Cajun - There's more info about this story in another thread - About trying to close the account, but the bank wouldn't put any blocks on it.

HMM sounds like a case for http://www.fdic.gov/ or office of the comptroller. The only reason a bank would do this is to fleece the accountholder.

I agree - She needs to contact the banking authorities . . . . They can help apply pressure, because what they are telling her is a blatant lie.

I used to work for Bank One. They are so lying. They can definitely put an ach block on your account. Whoever you talked to just didn't want to bother with the paperwork required to do this. Heck, I bet they don't even have to do paperwork for it anymore....it is all automatic. Whoever you talked to just wants to be lazy and make you think you are powerless in this situation.

I have posted before that my bank wouldn't help either...I'm glad I read this thread...I was planning on writing the loss prevention dept. again tomorrow. I explained everything in a letter 2 or 3 weeks ago and sent it to the corporate offive, lp office and both branches that wouldn't help me...now I think I will write the state comptroller or dept. of banks...should I write the lp office too and CC: the dept. of banks?? or the other way around...?? I owe that bank over $1100. in overdraft fees and every one of them were caused by ipdl ach debits after I tried to close my account and sent the cease and desist letters.

I would write to every single one of them personally! That way they will know that you mean business. Let us know how it goes. These banks sure like to take our money when we are in the wrong but they don't like to take responsibility for their actions!

Amazing. When I went to my bank, it took 2 friggin seconds. They did it all by computer. There wasn't any paperwork. They put a HARD DEBIT BLOCK on my account in a matter of minutes. All they did was type it in! Some kind of code or whatever. Of course, being the type of person I am, I immediately called the customer service number (since this was done at the branch) and asked them to verify that a HARD DEBIT BLOCK was on my account. They verified that yes there was. They can do this in 2 minutes!

I work in the banking industry and I've worked at a couple of different banks. I've never heard of a bank not being able to do this. The more fees a customer gets on their account the more money tacked on the branch managers paychecks.

Yeah exactly what I thought, PinkLady. Any bank that says that isn't possible is lying through their teeth. The banks thrive on fees!!!!!!

What??? Are you telling me that when we get NSF fees and charges put on our accounts at the bank, the friggin manager gets a friggin "bonus" basically? Oh please, don't tell me that's what you're saying. Oh my God. If it is, I do believe I'm going to start stalking bank managers!!!!!! :evil:

I think that the more revenue the individual branches bring in, the more money that goes into the manager's pockets. The biggest way the banks make revenue is on fees. That is one reason these banks charge for every freakin thing. The other day my credit union was going to charge me $5 for a printout of my account.

My bank also took care of things with just a few keystrokes. The woman helping me was blown away with my situation. She just kept saying this just isn't right - you poor thing! I kept asking her "now you are sure they can't try and hit the closed account? They can't send an electronic check and reopen right? She said no - your account is closed and nothing is going to hit it but just to be sure let me call and check. She verified everything she said was true, she printed 3 years of statements for me, she told me keep one dollar in a savings account and the bank will cash your payroll checks for you until this all blows over. She then gave me her card and says if anything happens to the contrary of what she said I was to contact her immediatly and she would take care of it. She said I know they can't hit but if any NSF's were to attach I will take care of them. When I got up to leave she said please come back and tell me how this all works out for you. I sure hope the AG can get you some of your money back - this is just a crime! There are banks out there that put their customers first. Fight for your rights - they can protect you, they should protect you. Good luck and keep us posted.

MPEREZ, I am glad that things worked out so well with you at the bank. That is awesome. You are an inspiration and can really be of help to people on here, especially the ones in NY. Keep up the good work!!!

Thanks for the kind words Sassnlucy. I don't know how much of an inspiration I can be yet but I do know that if I can offer just a few words of encouragement I will because it has been through people on this board that I found the nerve to end the madness. As you may well know when you get in these spirals you feel so rotten but then you come on here and find out you aren't alone. Bad choices doesn't necessarily mean bad people. We live and we learn.

mperez, I'm glad you shared your bank story on this post. I've been following you closely, so already knew. But it is good for all new forum members to see that it's not always ugly. 99% of the time, maybe! LOL! But sharing your "good" bank story and I had a "good" experience with the bank (after a while!) is good. There's all kinds of experiences and if we all post our experiences, then people will know what to expect regardless if it's good or bad. At least they'll have a heads-up!

I had a good result with my bank (PNC) placing a fraud alert on my acct as these were not approved debits.

Thanks for posting that! I think we're getting a list of which banks are "evil" and which banks are "good"! Input really helps!!