Froze my bank account but charges came through?

Guest, I think the following discussion has the answers to your questions. Please go though it.

http://www.debtconsolidationcare.com/paydayloan/freezing-bankaccount.html

Hopefully you had sent ACH revication letters to all the lenders before freezing the account.

guest keep us posted.. that happened to me one time, i saw it pending but it was returned. i guess just stay on top of it for now and in constant contact with your bank. when you can, put a permanent close on your account - so ACH cannot push it back open

They did return them, but I had to go back in and talk to them. The one manager was very apologetic and helpful. The other guy, after hearing my story told me that I pre authorized these and should pay back what I owe.

I was livid! I told him that my personal finances were none of his business and my rights as a consumer were just that...to revoke auths, regardless of what/who I owe. I also told him it was his responsibility to protect my financial information, as it had been compromised.

He smiled at me. Anyways, they did reverse them. Now here is my question..I did have some fraud on my account which they are investigating. What happens if my bank decides that I agreed to these loans? Some I did, some I didn't...and have no info for. Will they let them come back through? I told manager I was making other arrangements to pay and that they will still try and withdraw even after I sent letters.

regardless of what he thinks you should pay, you have the right to revoke ACH transactions and to not allow you to do so is breaking the law on their part. i would speak to a supervisor and demand that nothing comes through your account and than to permantely close it without allow any ACH to open it back up.
I have no idea why banks are being so stubborn these days, it is really none of their buisness.

"Hindsight," I guess but the bank should've told you when you put the block on your account that items would show as pending until they were returned. Well, as long as they ARE rejecting the ACH's, that's good news.

The best thing is to close the account and open a new one. And if there are things pending that you do not recognize, you need to review them and file fraud complaints if they are not yours.