I had replied to an ad for a job and this job entailed picking up packages and redistributing them to various places. Well, the first check came to pay me and to pay for the shipments. I deposited this check into my account ( I did not withdraw a penny of it) I was waiting to see if it cleared the bank first. Well, it did not. It was a scam. I was penalized for this by Bank of America. They closed my account and turned me into check systems. I did nothing wrong. I can not see how I could have done this any differently. I deposited the check, waited for it clear without withdrawing funds from it. Isn't that what I was supposed to do? Well they gave me the run around for days and then shut me down. No questions, no explanations, no options! When I called the home office to express my concerns and opinions on this matter, it was awful how I was treated. As if I were some common criminal. I was only told in a condescending tone of voice ( repeatedly) that my account was closed and I had been charged $35 for this non existant bank in which the check was drawn on and that I would never have another account at this bank. In my eyes, MY BANK should have had my back in this situation especially since I had not withdrawn any funds on this check. I also called the bank on the third day and expressed my concerns about the validity of the check since it had cleared, and that I did not want my personal information disclosed to the sender of the check. But none of this mattered. I was treated as if I had done something wrong. I am still confused as to why.
Mind you i went through bankruptcy, it has been discharged, judge himself faxed me papers to my job stating that my bankruptcy had been granted. On November 8th bank of america, approved me for a checking account, sent me our a nice debit card, i ordered checks, they sent me a handwritten welcome card and i also changed my direct deposit information over to them from my pre-paid Walmart money card that i have been using for almost the past year. Yesterday November 18th i get a letter in the mail stating, i'm still showing up on check alert and they have shut down my account. I would of rather someone notified me via phone or 7 days prior to my pay day being on the 20th.
I was on the phone with multiple people since i walked through the door yesterday, also on the phone with people today (back & fourth non sense and i got no where). I even contacted an attorney. Not sure anything can be done about this but my biggest issue is, my account is closed, but my payroll is still going through and will hard post to that bank of america account tomorrow but here's the deal they told me since the account is closed, i cannot access my own money. It is a long process to get my money out of that account. All again because they are stupid and their application procedure is bull crap. i look at it like this if i am applying online and you ask for my ssn to run a credit check why did they not just deny me then. Why send me a debit card etc then 1 week later close my account after I've transferred everything over to them. Now i cannot even pull my own money, you've got to be kidding me! I was told by other banks to try "smaller" banks because sometimes they are more lenient with bankruptcy etc and it so happens bank of america approved me right away so i thought i was in the clear. I don't have a penny to my name and people from bank of america don't want to return my calls ever since i told them i contacted a lawyer. I want to know why i got approved in the first place.
Forgot my debit card pin number. Looked online for helpful info or a phone number to call. Nothing to be found, neither by going through my online account nor on the BA website. Finally found a way to send a message to customer service.....will be back within 24 hrs! Amazing speed.... Had to google "BA, forgotten pin number" to find the BA's infocenter website where I was instructed to call the customer service phone number on the back of my card. OK, did that and went through way to many steps on the phone to finally reach a real person. I was told I have to go to my agency. Is that info so difficult to post on the BA's website and infocenter? Or if it is there already, then put it where customers can actually find it. This must not be such a rare problem. I have had bank accounts in two countries overseas, never encountered such a clumsy customer service.