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Thread: Me vs bank & CC co

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    God/dess whirlerz's Avatar
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    Angry Me vs bank & CC co

    Unfreakin' believable, on the advice of my credit card company, (who "lost" my check payment) I put a stop payment on that check, & allowed them to electronically w/d funds from my check. acct. This morning, while checking my balance, they put thru the check I stopped payment on, as a debit transfer. I called the CC co, & was told their system was down, & to call back in an hour. I called my bank, they will put the funds back, + the stop fee, but on TUESDAY. (Today being FRI). I told the bank rep. that I was afraid since I wrote checks for other bills, I might be short-funded. She said, well you have X amt. in the acct. I told her, YES, but I wrote a large amt. for my mom in assisted care, + the other checks for bills. Dead freakin silence. Yes, I will def. change it so this cc thugs can NOT do this again, but meanwhile I have to sweat this out?


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    God/dess Bridgette's Avatar
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    Default Re: Me vs bank & CC co

    Call the bank back and tell them that since you had a stop pmt on the check and they put it through anyway, they need to cover any checks that come through in the next few days. Better yet, GO THERE with your checkbook and anything related in hand. Don't leave til you get it squared away. I hate the damn banks, they'll do anything to get more of your money but when they screw up you have to raise 40 stinks to get them do what they already should be doing.

    Quote Originally Posted by pheno View Post
    When you lead a nontraditional life don't try to measure it with traditional milestones.

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    God/dess whirlerz's Avatar
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    Default Re: Me vs bank & CC co

    Thanks, B. They did say they'll credit me the check amt. & fee, it's just that it won't be posted on the acct. 'til this Tue. Meanwhile, checks I wrote & mailed are out there, hopefully I'll have the wiggle room I need. It was put thru as a debit, (just like an ATM) not a regular check with a check number. Believe me, they will be getting Money Orders from now on, & be barred from ever debiting my acct. again.


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    God/dess VenusGoddess's Avatar
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    Default Re: Me vs bank & CC co

    It's one of the MAIN reasons I don't like people TOUCHING my account. One phone company debited my account THREE times in one month. I called them and they said it would take them 8 days to "credit" the money. I went to the bank with the current months bill...and the name of the rep at the phone company that I talked to about it and DEMANDED that they reverse the charges. The bank did...without a fee...and put a 6 month stop-payment from that company on my account. Now that company just cannot take ANY money what-so-ever.

    Checks are so much easier. It gives you a record...and you don't have to worry as much about people taking unauthorized dipping into your money.

    Another thing I do is have several accounts. One account is a savings account...and then I have 2 checking accounts. One checking account is for all of my bills...the bills that I will write checks for. The other account is for the times that I need to pay something via Direct Debit or something like that. The money that is in that account is just enough to cover what is supposed to be drawn out of there. If anything happens, then the account goes into overdrawn status (which will get resolved) but my other money is not touched nor affected.

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    Featured Member The_Oceans's Avatar
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    Default Re: Me vs bank & CC co

    Venus, I kind of have the same thing going here. I physically write two checks a month; one to pay my car loan (through the military bank) and one to transfer money to my British sterling account (also through the military bank) so I can pay the rent and utilities. My British bills are paid by Direct Debit and I pay my American bills online. It really saves a lot of hassle. And I also check my accounts online at least every other day to watch for unauthorized charges. Fortunately I haven't run into any problems in two-plus years doing it this way

    Whirlerz, do you have the option of doing something like that?

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    Featured Member GnBeret's Avatar
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    Default Re: Me vs bank & CC co

    This is the bank's problem, not yours - they made a mistake and they've already admitted same. When you make a mistake that results in harm to another, you're generally liable to the injured party for damages. The bank's on the hook here, and they know it, so it's highly likely they'll be more than willing to do the smart thing here and resolve all the potential problems and costs they might be facing because of this by covering you.

    Go back to the bank and ask to speak to a bank officer, not afreakin' teller or account rep. Bring all your paperwork, explain problem, and get him to clearly and unequivocally commit to covering any NSF checks presented for payment between now and when they credit your account with wrongfully debited amount. If he so much as hesitates, make it abundantly clear to him that you'll raise holy hell with everyone from the Bank's most senior officers (his bosses) to the FDIC, and that you'll do so in a very public and conspicuous manner.
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    God/dess Bridgette's Avatar
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    Default Re: Me vs bank & CC co

    Quote Originally Posted by GnBeret

    Go back to the bank and ask to speak to a bank officer, not afreakin' teller or account rep. Bring all your paperwork, explain problem, and get him to clearly and unequivocally commit to covering any NSF checks presented for payment between now and when they credit your account with wrongfully debited amount. If he so much as hesitates, make it abundantly clear to him that you'll raise holy hell with everyone from the Bank's most senior officers (his bosses) to the FDIC, and that you'll do so in a very public and conspicuous manner.
    THIS is what I was trying to say above. You need to get the bank to agree to cover any checks you have already written on the money that was wrongfully deducted. It's not YOUR fault they can't credit YOUR money until Tuesday. Make them cover the checks, and make them agree NOT to charge you any NSF or overdraft charges!

    Quote Originally Posted by pheno View Post
    When you lead a nontraditional life don't try to measure it with traditional milestones.

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    God/dess VenusGoddess's Avatar
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    Default Re: Me vs bank & CC co

    Quote Originally Posted by GnBeret
    This is the bank's problem, not yours - they made a mistake and they've already admitted same. When you make a mistake that results in harm to another, you're generally liable to the injured party for damages. The bank's on the hook here, and they know it, so it's highly likely they'll be more than willing to do the smart thing here and resolve all the potential problems and costs they might be facing because of this by covering you.

    Go back to the bank and ask to speak to a bank officer, not afreakin' teller or account rep. Bring all your paperwork, explain problem, and get him to clearly and unequivocally commit to covering any NSF checks presented for payment between now and when they credit your account with wrongfully debited amount. If he so much as hesitates, make it abundantly clear to him that you'll raise holy hell with everyone from the Bank's most senior officers (his bosses) to the FDIC, and that you'll do so in a very public and conspicuous manner.
    Actually...this is not quite true. Whirlerz said that she wrote a check...then put a stop payment on the check. The CC company then deposited the check as a "e-check" which doesn't always require check numbers to do. Being that she put a stop payment on check number 816...the bank would not catch the "e-check"...thus the reason it got through. The fault lies with the CC company for being "dishonest" in their handling of the check. Also, in the future Whirlerz, see if your bank can put a "stop payment" on ANY incoming checks like that. Also...some banks can issue a non e-check account...meaning that a merchant cannot turn your physical check into an e-check. Try that...

    Of course, it also does not go in like GnBeret suggested...sometimes banks will overlook the little scenarios like the one mentioned above when they hear "public bashing".

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    God/dess whirlerz's Avatar
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    Default Re: Me vs bank & CC co

    Hey, THANKS, ALL!!!! Venus is right, as usual. I still haven't talked to cr.card co.,their freakin system was 'down' & I got really busy yesterday. It WAS the cc's fault, I specifically spoke to a supervisor @ cc co. about me putting a stop on the check. I've had this prob. b/4. A long time ago. I HATE that e-withdrawl sh**. The whole reason this started, I misplaced my loan #. I got the address to send it to, the cc co. would NOT give me the loan # over the phone, altho they verfiyed my info. The check got "lost" floating around their mailroom. Altho, it was supposed to be notated that it would not get cashed. Like I said for now I will set it up so no one can do an e-check. Thanks again, ALL

    I just spoke to cc co. No supervisor was available, naturally. The person I spoke to was a stupid c**t. Then, interestingly, I called the bank, all of a sudden the 255.00 amt. I was disputing, was not showing as a withdrawl at all on my acct.
    Last edited by whirlerz; 10-09-2004 at 06:56 AM. Reason: more to add


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    God/dess montythegeek's Avatar
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    Default Re: Me vs bank & CC co

    Whirlerz,
    Go to your bank and talk to a customer service representative or better yet a branch manager, not some person on the phone.

    These are the facts as I understand them. You wrote CC a check, they lost and told you to stop payment, then double billed you (once as requested by you and once on stopped check).

    This puts you at risk of being under. A sympathetic ear at the bank will realize this is far from a scam and you are a victim of a screw up and all will be straight by Tuesday at the latest. They may try to sell you an overdraft protection service, but they are human beings and banks do not like clients badmouthing them as hostile and not understanding. Since you are a female, I would suggest talking to a male manager,

    And through in the mom in assisted care check as being one you are worried about. They all have moms too and is a powerful convincer that you are not trying to pull a fast one.

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    God/dess whirlerz's Avatar
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    Default Re: Me vs bank & CC co

    Thanks, Monty! Btw, the bank said, once you write a check, the co. has the option of putting it thru like a debit, I can't stop that.
    Last edited by whirlerz; 10-09-2004 at 07:54 AM. Reason: adding


    MANY MEN WANTED TO LAY ME DOWN, BUT FEW WANTED TO LIFT ME UP

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    Default Re: Me vs bank & CC co

    That's weird...YOU have the choice of how someone accesses the funds in your account. Also...you need to ask the bank if you write a CHECK with a check NUMBER...why they are allowing funds to come out that MATCH the stopped check...and why they are letting checks go through without a check number. You can dispute this. You did NOT authorize the e-check. You wrote a physical paper check. There IS a difference.

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    God/dess whirlerz's Avatar
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    Default Re: Me vs bank & CC co

    Thanks, V. According to the bank, they (in this case credit card co.) has the option to put the funds thru as a debit, not a regular check if they choose to. Not only do I hate this, but sometimes it doesn't indicate co. name of withdrawl. What puzzles me is, yesterday I saw & recognized the unauthorized withdrawn amt. (255.00) & called in & talked to the bank. Today when I called back asking about above, the rep said she didn't see that amt. debited. Neither did i, as I checked it onlin. Hmmm. I didn't see credited to me either (yet?)


    MANY MEN WANTED TO LAY ME DOWN, BUT FEW WANTED TO LIFT ME UP

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    Featured Member GnBeret's Avatar
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    Default Re: Me vs bank & CC co

    Quote Originally Posted by whirlerz
    Thanks, V. According to the bank, they (in this case credit card co.) has the option to put the funds thru as a debit, not a regular check if they choose to. Not only do I hate this, but sometimes it doesn't indicate co. name of withdrawl. What puzzles me is, yesterday I saw & recognized the unauthorized withdrawn amt. (255.00) & called in & talked to the bank. Today when I called back asking about above, the rep said she didn't see that amt. debited. Neither did i, as I checked it onlin. Hmmm. I didn't see credited to me either (yet?)
    When you talk to the bank again, please do me (and probably a few others here) a favor and ask them for the basis of their assertion re the payee's option to put through as a debit - tell them you want to know the SPECIFIC basis for said ability, i.e., the statute, regulation, contract, etc., which provides them with said option. My guess is that it's buried somewhere in the page after page of fine print "contract terms" that banks give you when you sign up to start the account, but I'd really like to know for sure 'cause I can't imagine how they're doing this without you're having specifically authorized same somewhere! Thx.
    "That's your answer Old Man? I guess you're a Hard Case too...."
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    Default Re: Me vs bank & CC co

    All I can say is. there's a book called "Corporateering" & there's a little more to the title, don't know the author. But it discusses how. when a corp. makes a mistake, or there's a dispute it's on the consumer to write the letters, make phone calls, to clear it up. & that wouldn't even be so bad, but it seems they keep one in a 'loop' & getting no real result. Meanwhile you're stuck with a lousy product, unfair charges, etc. Someone else posted a similar thread recently, Jesus F**** C. There was a news segament discussing Wash. Mutl Bank, how a woman (cancer survivor) snatched her home just in time from the foreclosure auction block because THEY credited the wrong acct. I'm sure it's in the fine print that the a**wipes can withdraw the $$ as a debit if they want, what REALLY bothers me, is how the bank rep is acting like this never happened. But, I plan to go down there to talk to them. I phoned cc co., no supervisor was avail. to talk to me (Surprise) but, one will 'call me back in 24 to 48 hrs'. Can't wait.


    MANY MEN WANTED TO LAY ME DOWN, BUT FEW WANTED TO LIFT ME UP

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    Default Re: Me vs bank & CC co

    the real irony is that the person calling you back in 24-48 hours is probably located in Bangalore, India - getting paid $2.00 per hour, and could give a shit about your particular problem.

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    God/dess whirlerz's Avatar
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    Default Re: Me vs bank & CC co

    This is true, Mel.


    MANY MEN WANTED TO LAY ME DOWN, BUT FEW WANTED TO LIFT ME UP

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    Featured Member GnBeret's Avatar
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    Default Re: Me vs bank & CC co

    Quote Originally Posted by whirlerz
    All I can say is. there's a book called "Corporateering" & there's a little more to the title, don't know the author. But it discusses how. when a corp. makes a mistake, or there's a dispute it's on the consumer to write the letters, make phone calls, to clear it up. & that wouldn't even be so bad, but it seems they keep one in a 'loop' & getting no real result. Meanwhile you're stuck with a lousy product, unfair charges, etc.
    Yep, exactly... just so you know, this kind of "give you the run-around" and "wear you down" tactic accounts for a substantial percentage of the profits made by insurance companies, so don't ever just take "no" from them when you make a claim - the first person you talk to is the "no" person, i.e., THAT'S THEIR JOB! You'd be surprised how many people just say "OK," and walk away from what was a perfectly valid claim. Always, always, always press them, and when you've jumped it up a couple of levels and they're still saying "no," mention "bad faith denial of coverage." If they don't give in then, they've probably got a sound basis for denying your claim. Just remember, cost them nothing to say "no" for awhile - and the upside for them is enormous.
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    God/dess VenusGoddess's Avatar
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    Default Re: Me vs bank & CC co

    Well, when my checking account was first hit up by some unknown party (lost almost $3000 due to fraud)...I closed the account and filed a fraud claim. The bank claimed to never have gotten it...so I filed another one...went missing...filed another claim and called the bank manager. She says she passed on the claim to the "proper department". The "proper department" claims she never sent it. So, I overnighted another claim...with a signature...and they claim that it must have been lost...and then they finally got it. Of course, at that point, they said that since I filed my claim after 6 months, that I lost my right to file a claim due to "statute of limitations" running out and it clearly states that I must file a fraud claim within 6 months or risk having nothing done. After bitching enough, I got them to say they would "investigate" it. Nothing has ever been done. They keep going back to the "6 month statute." Bastards. Don't ever let them do this to you. I closed all of my accounts there (at the time they lost about $10,000 from that) but it's pocket change to them...and they could have cared less. They seemed more relieved to get me out of their hair than to try and keep my business. LASALLE BANK SUCKS!!

    Anywho...sorry had to rant. I hate banks...if I could safely hold my own cash...I would.

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    God/dess whirlerz's Avatar
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    Default Re: Me vs bank & CC co

    Awww, so sorry, Dear. That REALLY SUKS. Makes mine seem like small change. Damn. You so don't deserve that. Sh**, I'd like to go there w/shotgun FOR YOU. Btw, I have a list, (from a job application), of addresses/phone #s for concerns re: nat'l banks, savings assoc., credit unions, etc. It starts w/FTC Fed. Trade Commission. Perhaps I could msge it to you? At least, if it doesn' help get your $$ back, perhaps get a complaint against them. You deserve to rant about that, absolutely!.


    MANY MEN WANTED TO LAY ME DOWN, BUT FEW WANTED TO LIFT ME UP

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    Featured Member GnBeret's Avatar
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    Default Re: Me vs bank & CC co

    Pan Dah - Many thanks! Will take some time to sort through, but based on quick glance "opt-out" provision looks like it's worth checking into. As for your working for "evil banks," makes no difference to me - in my book, you're not defined by who you work for... 'cause very few of us have the luxury of that sort of choice in today's job market.
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    Featured Member Vamp's Avatar
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    Default Re: Me vs bank & CC co

    Hey all,
    I got in on this one kind of late.
    As far as company posting checks over stop payments, from my experiance, they do it several differant ways. Any check that is posted to an account must have a check number. If you do a check over the phone or as in this case posting it on top of a stop payment the company's use the routing and account number and make up a check number. it will show up as CHECK 88888. Thats the numbers they usually use. They do this mainly because of scams customers have been using. Even the bank where i work at, people that dont have the money but for example dont want the electric shut off, send a check then put a stop payment on it. It takes weeks for the check to run thru the clearing process.

    One piece of advice i have is to check your stop payments on companies. An ACH stop payment is differant from a check stop payment and must be done seperately. For those that dont know an Ach is an electronic pull from an account. It is differant from a check card or debit card transaction.

    The other thing i want to mention is if you have had problems with a company or dont want anyone in your account do not make payments to them with a check card or debit card. You can not make a stop payment on a debit card transaction. Once again if in the future you owe them money and they have the debit card number they can use it to pull funds from your account.

    The best thing to do to avoid these probs is to pay with a cashiers check or money order.

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