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CTC- have PIF - but they still tried to take money

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OK.. Cash Transfer Centers - back in July I paid it off. Still I got a call from a Ms Ross and another guy stating I still owed 281.00. We went round and round. He was rude, obnoxius, asked me questions that shouldn't be asked etc. Anyway, I received a letter prior to those, saying Thank you for paying off you loan with us, you are now eligible to refinance and loan, etc. I faxed and register lettered a letter to CTC, I attached copies of the PIF's I received from them, highlighted the loan numbers. I then told them I was paid in full, and for good measure and protection, also revoked any further ACH and wage garnishments. Also attached a Florida Payday loan law., etc.. etc. It was guiet till Friday when I received a letterl from WAMU stating that a transaction tried to take place , but denied. They (CTC) went in to the account and tried to take out two payments of 281.00 each. I know someone will say close your account...I have been fighting WAMU over closing my account, but the little girl there says until my balance is not negative, they can't close it.. anyway. that is a different fight right now.. and I am taking tomorrow morning off to go to the main branch to fight this...BACK TO CTC.... I know there is a procedure for fraudulant, as CTC is. WAMU did fill out paperwork for fraud ACH... is there somewhere else to take this?? sue their butts..,I have all the paper work, and have sent an email to the AG

Also.. Thank you for this site.. it has been a absolute GREAT find in helping me get thru some of these problems and mistakes!

I would send a letter to the BBB and the FTC and file a police report against them. Did WAMU charge you NSF fees? I would simply go into the bank with that pif letter and tell them that was already taken care of, and if they do not help you that you are going to turn them into your state's financial regulatory department.

Other people will be along to advise you further but that would be what I would do if it were me.

Sub: #1 posted on Thu, 08/21/2008 - 16:56

ladybug ladybug

(Posts: 2757 | Credits: )

yes, they charged NSF fee, thats how I found out they tried to access my account. I am seeing them tomorrow. I was also told to to tell my bank about Federal Regulation E, reversal of unauthorized charges.
isn't there also a way to take them legal action? I have seen some people on this board mention it, but I cannot find it

Sub: #2 posted on Thu, 08/21/2008 - 21:25


I would think that WAMU knows all about reversing the charges, hopefully by talking to a branch manager they can get this straightened out for you. I would still turn them into your state's financial regulatory department if they do not reverse those charges.

Others will be along to advise you further.

Sub: #3 posted on Fri, 08/22/2008 - 06:47

ladybug ladybug

(Posts: 2757 | Credits: )

I was also seeing at one time legal action against the party that tried to access my acount illegally. I have also sent off a letter to the FTC. The Florida AG said they would review my complaint, and gave me some other options to try. I am going to my original branch at WAMU as the one near where I now work, has been of no help!

Sub: #4 posted on Fri, 08/22/2008 - 11:08


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