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They wrote their own check!

Date: Wed, 09/15/2010 - 06:51

Submitted by anonymous
on Wed, 09/15/2010 - 06:51

Posts: 202330 Credits: [Donate]

Total Replies: 19


I put an ACH block on this company and they changed their name several times and kept trying. Luckily, I was able to block their attempts. However, yesterday I notice a draft for $520.00 had posted from my account. The number was 00101. I went to my CU and asked who the check had been written to. They had to dig pretty deep to find out, but apparently it was written to a company called MD Marketing. The 877 number attached to this company was My Next Day Cash. This company had already taken $800 from my account before I stopped them with the ACH block. I never signed this check! According to my CU it was approved via telephone. I told the teller that was a lie. She said there wasn't anything the CU could do because the check had already cleared.... Now what.


Oh yes they can. You need to file a dispute that the check was not authorized, you never approved it by phone and this company is fraudulently withdrawing funds from your account. This is exactly why we always advise that you close your account and open a new one. It's the only way your money will truly be safe. These illegal companies always find a way to get into your account once they have your info.


lrhall41

Submitted by OhioGal1 on Wed, 09/15/2010 - 06:54

( Posts: 5253 | Credits: )


Quote:

Originally Posted by Anonymous
I put an ACH block on this company and they changed their name several times and kept trying. Luckily, I was able to block their attempts. However, yesterday I notice a draft for $520.00 had posted from my account. The number was 00101. I went to my CU and asked who the check had been written to. They had to dig pretty deep to find out, but apparently it was written to a company called MD Marketing. The 877 number attached to this company was My Next Day Cash. This company had already taken $800 from my account before I stopped them with the ACH block. I never signed this check! According to my CU it was approved via telephone. I told the teller that was a lie. She said there wasn't anything the CU could do because the check had already cleared.... Now what.


When I asked what I should do the teller said there wasn't anything they could do. I then asked, should I go to the police then? Because these people stole money from me! And she said that my best bet was to try to get it back from the person (company) that took it and if that didn't work then go to the police....


lrhall41

Submitted by on Wed, 09/15/2010 - 06:58

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Quote:

Originally Posted by Anonymous
I put an ACH block on this company and they changed their name several times and kept trying. Luckily, I was able to block their attempts. However, yesterday I notice a draft for $520.00 had posted from my account. The number was 00101. I went to my CU and asked who the check had been written to. They had to dig pretty deep to find out, but apparently it was written to a company called MD Marketing. The 877 number attached to this company was My Next Day Cash. This company had already taken $800 from my account before I stopped them with the ACH block. I never signed this check! According to my CU it was approved via telephone. I told the teller that was a lie. She said there wasn't anything the CU could do because the check had already cleared.... Now what.


this is why we always advise closing that account as some places will put a paper check through,and some banks will honor it despite the block.see the manager,not a teller and file a fraud report.then get the account on deposits only.then not even their paper check can go through.


lrhall41

Submitted by paulmergel on Wed, 09/15/2010 - 07:00

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Tellers aren't trained to handle these types of transactions. I work at a bank - in the corporate offices. You can first talk to a relationship manager (or whatever your bank calls them). They're the people who actually have offices/cubes/desks at the bank. If you can't get a satisfactory answer from them, demand to speak to the branch maanger.


lrhall41

Submitted by OhioGal1 on Wed, 09/15/2010 - 08:06

( Posts: 5253 | Credits: )


Quote:

Originally Posted by paulmergel
see the advice above.see the manager,not a teller.

I went and spoke to the mgr today. She again said there wasn't anything they could do. The name of the company is My Next Day Cash. I live in Michigan. The original loan was $400 and they have taken $1315.00 from my account. According to my loan papers the amount to be paid back was $460. The person from My Next Day Cash cheerfully told me that my loan was now paid in full (big deal) except for one more payment of $160.00 but they were going to 'forgive' that payment, and that according to the contract that I signed they had authorization to present that hard check to my CU for payment. That check they wrote has wreaked havoc on my account. This company is not licensed to lend in my state. When I told her that she basically told me that I signed all rights away! They refuse to send a refund and my CU refuses to do anything about it. Now what....


lrhall41

Submitted by on Wed, 09/15/2010 - 08:39

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Quote:

Originally Posted by Anonymous
I went and spoke to the mgr today. She again said there wasn't anything they could do. The name of the company is My Next Day Cash. I live in Michigan. The original loan was $400 and they have taken $1315.00 from my account. According to my loan papers the amount to be paid back was $460. The person from My Next Day Cash cheerfully told me that my loan was now paid in full (big deal) except for one more payment of $160.00 but they were going to 'forgive' that payment, and that according to the contract that I signed they had authorization to present that hard check to my CU for payment. That check they wrote has wreaked havoc on my account. This company is not licensed to lend in my state. When I told her that she basically told me that I signed all rights away! They refuse to send a refund and my CU refuses to do anything about it. Now what....


oops, it's $1495 that they have taken.


lrhall41

Submitted by on Wed, 09/15/2010 - 08:47

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Quote:

Originally Posted by OhioGal1
I'll do some research on who you can contact that will actually DO the right thing for you and get back to you asap.


AAACU wants a copy of the contract I signed. I tried to tell them just because I may have electronically signed a contract waiving my rights doesn't mean my rights are waived. I tried to explain the payday laws but they seemed uninterested in hearing them. They feel that if I signed this contract they have to honor the check.


lrhall41

Submitted by on Wed, 09/15/2010 - 09:26

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The President/CEO of your CU is Donald J. Mills. Try contacting him directly with your complaint. This is fraud and the bank is required to deal with it. If this gets you nowhere, your next step will be to contact the Federal Reserve Bank and the Office of the Comptroller of the Currency. And I'd tell him that's your next step.

Donald J. Mills
1013 US 23 North
Alpena, MI 49707
Toll Free: 1-800-443-3577
Fax 989-354-2428
[email]dmills@aaacu.com[/email]

Did you give the bank/CU a copy of your ACH revocation?


lrhall41

Submitted by OhioGal1 on Wed, 09/15/2010 - 09:29

( Posts: 5253 | Credits: )


[QUOTE=OhioGal1;749787]The President/CEO of your CU is Donald J. Mills. Try contacting him directly with your complaint. This is fraud and the bank is required to deal with it. If this gets you nowhere, your next step will be to contact the Federal Reserve Bank and the Office of the Comptroller of the Currency. And I'd tell him that's your next step.
Donald J. Mills
1013 US 23 North
Alpena, MI 49707
Toll Free: 1-800-443-3577
Fax 989-354-2428
[email]dmills@aaacu.com[/email]
Did you give the bank/CU a copy of your ACH revocation?[/QUOTE]

They didn't need it. I filled out some forms right at the CU. I told them I had faxed and emailed the revocation letters and they would good with that.


lrhall41

Submitted by on Wed, 09/15/2010 - 09:36

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That is a total LIE. I had that happen to me, I had to sign a form stating I did not authorize them to withdraw money out of my account - I signed it and it went to the fraud dept. then the fraud dept contacted me and I told them that I revoked my ach and then they turned around and withdrew x amt of dollars. They looked at my acct. seen when the deposit was and how long I was making the payments and then for how much, added it up and then realized how much I had already paid which was way over what they deposited and then they reversed the check. They tried again right after the check was reversed with a different name but by then the acct was on deposit only so I could see it coming through but at midnight it would go right back. The CU is lying well maybe not lying but has no clue what they are doing. I'd definately call the higher up or ask for a phone number for the fraud dept. My bank said I have 90 days to contest anything posting to my account


lrhall41

Submitted by on Wed, 09/15/2010 - 09:37

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My email to dmills just bounced back. Let me look for a correct email. If they honored your ACH revocation, why are they giving you a hard time when the same slimey company is now sending unauthorized checks? Makes no sense. Contact the president!


That is his correct email address, according to the annual report.


lrhall41

Submitted by OhioGal1 on Wed, 09/15/2010 - 09:40

( Posts: 5253 | Credits: )