Stacey Moore

In June of this year (2012), my spouse and I applied for payday loan online. (*learned my lesson the hard way*). Numerous companies posted to our account that we did not authorize. Since the monies were taken out from one to pay the other and so on we started speaking to the lenders and settled what we thought were all of the loans. During this time I also closed my checking account. I advised BOA of this and brought acct. to 0.00 balance. They stated to me that the account had to be held open for 30 days in case any more debits hit the account. I could not believe this but had no choice to do it any other way. For 30 days nothing hit the account so I was understanding that it had finally closed. A couple weeks later I received a bounced transaction and was shocked to see it was a loan from CashNetUSAinto the acct. I advised BOA, CashNetUSA that this was not an authorized deposit or withdrawl of any funds as my account was closed. I have filed a Police Report, advised BOA that they are also responsible for allowing deposit, and froze the account from the lender. I keep advising them to proceed with any action they are planning to do. They refuse to obtain a copy of report and continously call to argue. I am sending a Certified Cease and Deceist. I am considering pursuing them and BOA for stress, harassment, fraud, theft, and anything else I can. I do not believe they are in Texas either. Is there anything I am missing?