New account hit!

Thank you guys! You're making me feel a bit better! Ang, I did read the other thread regarding the same situation and did notice the auto insurance part. However, I don't think that would be the case. I mean, how many people have their auto insurance taken out by debit? Tons, I'm sure. I just don't know. You guys are really helping me with just your support through this. I knew I could count on some encouraging words anyway! It's just a huge bummer. And, I certainly didn't mean to cause a panic! My gosh! I'm sorry if I did! But I had to "warn" people what happened. lmk, take your money out of the bank before you go on vacation, because if I remember, you are dealing with Eastside also, correct? I could be wrong, but I thought you were. I do not trust them. I'd take it out and put it back in when I got back. Not to set anyone in panic mode, but I'm kinda paranoid right now when it comes to them!

You've got a great memory cannr...yep i'm dealing with east side as well. That's why when I read what the heck was going on with you & aminah I got knots in my stomach. Holy cow...I can't believe this is happening.

Aminah isnt having Eastside problems...


Cannr-Got your pm and I am responding.

Aminah was having problems today with a different PDL, and her bank. Easy loans. Her account was put on hold, and a debit went thru this morning.

It was ald, lmk. Ald's got a thread going also regarding them. They hit us both on the same day. God love them!

are we on each others coattails again!!! :lol: 8)

Okay, volley. Where the heck is my pm you said you were sending????? :?

She's been busy with me.LOL

LOL...you guys are sooo cute! I love the way this forum is. Its like one big supportive, fun family!

:lol: :lol: :lol:
cannr! LOL-I was typing intructions for aminahs avatar...sending you one now :)

aminah-did you get my PM?

yes i did volley and i pm'd you back. THANKS!!! =)

Excellent! Cant wait to see your avatar!

cannr-1 pm coming up!

Yea, Aminah is getting an avatar.

After today, how about a bottle of jack daniels!

sorry aminah...it was adl that had probs with eastside as well as cannr. i've been doing so much reading today that i got my threads mixed up! Sorry everyone!!!

lmk-no worries! Its bee quite a day around here!

i was so terrified. i just checked my bank account and it is safe -$46.42. what a relief :)

god bless ya granny, you will be ok.

Well I know everyone will be checking their accounts like all day long myself included. This really sucks the big one. So there really is that stupid check recovery system...i read something about them on the internet. That is screwed up. It's like they are giving them information to just hack into your personal account. What a bunch of $SHIT :twisted:

LADYBUG

What if a checking account was closed by the bank itself? The account that any checks was written on are not good?

Yes, if the bank closed it nothing will go through.

Seriously, this is NOT a big deal. No one needs to freak out. Everyone needs to calm down a bit.

Of course there are check recovery systems. They've been around for years and years. SCAN, telecheck, etc, all have check recovery depts. It's not really something to spend time worrying about. If you are looking for something to worry about, you are better off freaking out about being in a car wreck, because that's a lot more likely then a pdl finding out your new account information.

very true gouda2424, very true and you are very smart.

cannr, I am so sorry this has happened to you. You spend so much time and effort helping the rest of us and the new posters, and this happens to you of all people. You are in my prayers, and we are ALL here for you when you need it. Rant, rumble, cry, whatever - we're here.

what happened to cannr?

They hijacked my account, the culprit/pricks was oneclick cash, taking $495 out today. Luckly I had no $$ in the account. My direct deposit will go to a differant bank.

What do you mean, they hijacked your account?

I think they meant that the pdl tried hitting their account for money is that I am figuring. I can't understand why all of a sudden this is happening to people. Is it from the same pdl co?

ladybug

I'm assuming dropdeadpdl (and I like that name!) means that One Click hit his/her account and sucked out $495.00. I'm also going to assume the account wasn't closed; however, dropdeadpdl has direct deposit going into a different account, so that's good. dropdealpdl, you need to CLOSE that account once they reverse off that One Click debit. One Click/MTE is very sneaky. They will attempt to debit again. And goudah is right. I did not mean to cause an "uproar" regarding new bank accounts. I do understand that this is a "rare" occurance. It just so happens that myself and ald got hit by the same one and on our new accounts. Just a coincidence, I guess. No one needs to panic. Just check your accounts every day. Honestly. I check mine every morning. That's how I discovered it. I'm sure there are various ways that companies can get your bank account information. And sometimes it takes MONTHS and it might get "found" or whatever. It'll be okay. What the hell. Been through it before, I'll do it again. It just really irks me though. You just don't feel safe. However, I guess anyone with a bank account is never totally safe. Even if they're not dealing with pdls.

Cannr I am so sorry this happened to you! You and everyone here have been so helpful to me and now I am really worried about my own account. I was thinking of going through Prosper and getting a loan, but after this I am wondering if it is even safe at all to do that since they ask for banking info. Have you ever dealt with them?

harris, I haven't dealt with Prosper, but I do know some members here have. I haven't read anything horrible about them. But I would check them out every way I could before doing anything with them. Thank you for your concern! It means a lot to me. I guess it was the "luck of the draw". I was the lucky one! LOL! I certainly don't want to set everyone off into a panic. If anyone has really bad luck, it is me. So for this to happen to me isn't too surprising. LOL! Very bad luck! harris, don't worry a whole lot. I just find it amazing. But whenever anyone requests bank account information, please be sure to check them out until there's nothing to check out anymore. I'm so very leery now. I was before. This just made it worse. Just be very cautious.

Cannr...every since I had my account debited by a marketing company..(which was really a collection agency) I check my bank every morning..if anything at all looks like a strange or unusual transaction I call the accounting department and let them know. These people at the bank are very familiar with me now and probably have labeled me paranoid...but it gives me peace of mind. Hope you have better luck from now on...

I checked my account by phone got all transactions, one transaction for check no xxxx was returned for $495. WHAT :o I did not authorize this. I have not closed this account because the bank will not work with me. I tell them to stop all debits, they say they can not. I say this was an illegal transaction, They say I need to clear my negative balance. I tried to close this account, They say I need to clear the balance and then close it out. How can I close this account when they keep adding NSF fees, and allowing debits to go through even though the account status is negative. So, My last resort is to close this account by default/(by the bank) and payoff the negative balance. I know I will be reported to chex regardless.
I have lost faith in the banking system :x . I think I'm going to invest in a prepaid debit card and save my $$ through my employers svaings plan at work.

dropdeadpdl, you've GOT to be kidding me. I can understand the bank not closing your account due to it being in the negative at the moment, but like you said, how in the world are you ever going to get it straightened out if they keep charging you NSF fees????? What is their reason for not putting a block on it? They should put a block on it so NOTHING goes through and you don't accumulate NSF fees any longer. What's up with that? And I bet you about died when you saw One Click put through a check. God love MTE. They put an electronic check through my account at one time for one of their d/b/a's. They are horrible. And they're going to continue to hit this account. Why in the world can your bank not block it? Did they give you a reason?

Cannr...my friend...need I say how sorry I am this has happened to you...I would have been here sooner but I work late on Tuesdays...

And as for dropdeads bank issue, you know that happened to me too...I am paying off $1400. in nsf fees from the pdls after my old bank refused to help. Some banks don't...

Can't the department of finance help in this situation with the unwillingness of the bank not working with you, or the regulation division. This is just so NOT RIGHT :twisted:

ladybug

That's just that, they can put a hold/block on the account only if they suspect fraud (HELLO..dah..) this is what it is :roll: an unautorized debit/check. I think I need to go to a differant BOA branch, cause these people seem to be on another planet.

dropdeadpdl (I so love that name!), did you go to the branch where you opened your account and speak to the branch manager there? If so, and they didn't cooperate, then by all means, go to another. If you get no results, call the damn corporate office. This is "unauthorized illegal companies". They can not force you to keep an account open with unauthorized illegal companies hitting it. That's insane.

I totally agree, how can they keep this open if you are requesting it closed. It's like the customers have no rights or control over their own money :twisted:

ladybug

Okay. Update. I checked my account on line. The debit amount was reversed off. Too bad now there is a NSF fee on there, of which I have ZERO money to pay it to get it out of the negative. I'll call the bank (fun) and see if they're going to take that NSF fee off. If not & I do have to pay it, the account will have to sit there open until I get paid. Hopefully she'll tell me it'll be reversed off tonight. Or she'll tell me I have to pay it. Okey dokey then. It'll have to sit and wait. Doesn't this bite?

Yes, my sweet friend , it does bite. What a horrible situation. I hope they reverse the stupid NSF fees. They should if they reversed the damn debit.Lets just hope that today stars out better for you than yesterday did.

They should reverse the NSF fee. It was not your transaction. If the banks made people pay NSF fees for all the ID theft and such going on, people would stop using banks.

If they say no, keep telling them that this was not your charge, that you'd understand paying it if the charge had anything to do with you, but this was unauthorized, a shady illegal company that wouldn't even give the bank any information, and if they don't take the NSF fee off, you need to complain to the OCC.

I read an article yesterday on msn it was about how banks trap you into nsf fee's by only covering the biggest checks first and then giving you nsf fees for the smaller ones that won't clear your account. Which somone had posted on here somewhile ago. It just proves how the banking world especially ING bank got into trouble by sending out like 5,000 emails to their customer's saying they were closing there accounts because of their low credit scores.

I wish I could link that article on here somehow but can't remember how to do it..it was very intresting reading.

ladybug

Stupid me that was me I forgot to log in.

ladybug

If it is not a long article, you can cut and paste it

I will try to go back and find it, it is very interesting. I think it's two pages long, but at least maybe I can put the link on here. Be back in a second.

ladybug

All banks will clear the larger amounts first, then the smaller. It's actually in the agreement you are given when you open the account. Really, all the information is there. Just no one reads it first.

You are right goudah, nobody does take the time to read the small print. Then we feel stupid when we discover it was there all along.

Here is a link I was reading yesterday don't know if it violates any of the tos or not. If it does then I apologize. bankrate.com/brm/green/chk/basics3-intro.asp?caret=30. I think alot of it you may have already posted goudah, so it might be useless info.

ladybug

cannr- wasnt it the banks fault the debit hit your account in the first place? then you shouldnt be responsible for the NSF fee. I would fight that tooth in nail. call the fraud dept if you cant get any help at the branch level.

agree with that, i would fight it to the end.

dropdeadpdl- going to another BOA branch will NOT help! I used to bank with BOA....they are the worst! someone stole my debit card information and was making charges overseas and when i filed a complaint with the fraud dept they said all fees would be refunded and all charges would be returned. well long story short, they returned the charges but never removed the NSF fees! i couldnt pay them so they closed my account. i hate BOA.