Sunday, December 18, 2005

Swindling From Disability Checks: A BOA Tradition


Thanks to Glenda, who despite her years of banking with BOA was also a recent victim of the check holding/overdraft scheme BOA's got going...

"I have been banking with Bank Of America for 10 years. The first time I experienced them repeatedly overdrafting my account was in 1998. I was working, so I had automatic deposit. They would hold checks and then put them through when my account was low. Now they are starting to do that again. I have automatic deposit for my disability check. They said that I have overdrafted 13 times in the last year, which is incorrect.

I have been overdrafting lately because they hold [checks] then put them through when I have a small amount of money in it. I pay out at least 50 to 100 dollars a month. I did not notice what they were doing until recently when I made a purchase over the weekend. They claim they took it out on Tuesday morning at 6 AM when I called the automated machine (and also looked on the Internet - my account was fine). As soon as I put my money in there, they claimed that I was overdrafted by $70.00.

I do not write checks; I only use my debit card. I was under the impression that when you use the debit card, the money automatically comes out (when you tell the merchant it's a debit). They are misleading people with their debit cards. When you try to explain or ask them to explain they are hostile and act like you are beneath them. It is very frustrating trying to talk to them. They also reply that they have no one for you to talk to except supervisors over customer service who are very rude and don't really care about the reputation of Bank Of America.

This is very disturbing to me. They are misleading people about their debit cards. I know I am not the only person this is happening to..."

Glenda, I'm absolutely certain you're not the only person this happens to, because we've heard about this sort of thing. You know, there's a special level of hell reserved for people who steal from disability checks.

I wish I knew someone who could help with all these problems, but I don't. The best advice I can give anyone is three-fold:

1) Don't ever try to solve a problem on the phone, if you can help it. Go talk to someone in your local branch face to face. See the manager, if you have to.

2) Send our site and every site you see in our links your complaints. Make it loud. Writing to consumer affairs or Clark Howard (or your local consumer advocate) helps at least get the message out.

3) DON'T bank with Bank of America. Use a credit union if you can or some small local bank. You may lose a few bucks to ATM withdrawals here and there and you'll have to carry more cash, but you won't be losing it to stuff like this. Those places value your business more.
(Please note: if you close your account with BOA, make sure to document everything! I don't want anyone to go through what I went through.)

Good luck, Glenda! God bless.

21 Comments:

Anonymous John Wright said...

If it walks like a piggy, talks like a piggy, by golly it’s a PIGGY!

BofA and it’s CEO Brian Moynihan reminds me of that song by John Lennon and George Harrison titled "Piggies" I invite you to listen to this song on youtube and see if it appropriately fits.

http://www.youtube.com/watch?v=NTmeHM-Hojg&feature=related

Have you seen the little piggies
Crawling in the dirt
And for all the little piggies
Life is getting worse
Always having dirt to play around in.

Have you seen the bigger piggies
In their starched white shirts
You will find the bigger piggies
Stirring up the dirt
Always have clean shirts to play around in.

In their ties with all their backing
They don't care what goes on around
In their eyes there's something lacking
What they need's a damn good whacking.

Everywhere there's lots of piggies
Living piggy lives
You can see them out for dinner
With their piggy wives
Clutching forks and knives to eat their bacon.

Wright vs. Bank of America Lawsuit at:

http://news.yahoo.com/s/prweb/20100323/bs_prweb/prweb3766544_1

When I filed my lawsuit against Bank of America, myself and United Law Group thought of the many others out there in the same situation. It was then that we decided to educate the public on what these piggy banks are doing, as well as unite us all together as one voice. Please help me turn this David vs. Goliath modification process, into a Goliath vs. Goliath.

Please stand with me and United Law Group and send an email to Bank of America that states that we will no longer tolerate their potentially illegal, fraudulent, irregular and abusive business methods.

Divided we might have fell America, but united we must stand!

Please send your email directly to Bank of America and include the following:

1. Your name
2. Your complaint concerning your experience with Bank of America.
3. Please end your email “I support John Wright vs. BofA Lawsuit!”
4. Please send a copy of your email to johns-wright@hotmail.com
5. Please send your email to both BofA link below and the CEO email


BofA Linked Email:
https://www3.bankofamerica.com/contact/?lob=general&contact_returnto=&state=VA

CEO Brian Moynihan:
brian.t.moynihan@bankofamerica.com

Matthew Task, Executive Relations
Office of the CEO
813-805-4873

Sun Apr 18, 08:18:00 PM PDT  
Anonymous Anonymous said...

BANK OF AMERICA ARE NOTHING BUT ONE WORLD GOVERNMENT THIEVES. ALL OF THERE NEW LOANS ARE GOING TO FANNIE MAE AND FREDDIE MAC THE TOP GOVERNMENT THIEVES. THESE CONTRACTS MAKES IT EASY TO FORECLOSE ON HOMES. THEY BUDLE THEM AND SELL THEM BACK TO OUR GOVERNMENT AND TAX PAYERS GET THE BILL. HELL WILL BE FULL OF THESE SANTANIC PEOPLE VERY SOON AND I AM SO GLADSTAY AWAY FROM ALL BANKS #1 BANK OF AMERICA

Tue Oct 19, 08:04:00 AM PDT  
Anonymous Anonymous said...

I love your site. I love that you are taking the ambition and motvation to get this information out to others. BOA is only a big bank because we make it that way. The sooner it gets a majority negative public opinion, the less business it gets and the sooner it will fail. BOA is rated the WORST bank on JDPowers website. Check it out. I cannot get my finances and loans out of BOA soon enough. They are a direct reason as to why our country is in the financial crisis that it is in and the government has only enabled them MORE.

Fri Oct 22, 11:45:00 AM PDT  
Anonymous Anonymous said...

I have created piggybankblog for all those who have been abused by Bank of Abusing Americas potentiall irregular, fraudulent and simply abusive home loan modification process.
.
My name is John Wright AND I AM FIGHTING BACK!
.
John Wright
piggybankblog.com

Fri Jun 17, 10:06:00 AM PDT  
Blogger wright4ulg said...

Listen, Countrywide and Bank of Destroying The American Dream might have already been paid back by several for loans from unidentified investors, multiple times, and by credit default swaps and insurance. It is a potential insurance fraud! Then they want the homeowner to pay them again! The simple fact is that our loans might have been concurrently sold into multiple Trusts at the same time, which would be equivalent to selling the same car over and over to several different people using a COPY of the pink slip or Title of the car. IT IS ILLEAGAL!
.
Nevertheless, If there is a break in the chain of title: “An obligor is not obliged to pay the instrument if the person seeking enforcement of the instrument does not have rights of a holder in due course and the obligor proves that the instrument is a lost or stolen instrument.” - U.C.C. provision, U.C.C. §3-305(c)
.
These bankers attitude reminds me of that song by George Harrison named “Piggies”.
http://www.youtube.com/watch?v=ovD9rTzs2q4&feature=player_embedded
.
Look, I am not looking for a free house. I am looking for a free country! These banks should be held accountable by the homeowner according to the laws of our land. This is why everyone should have a Title and Securitization Search done. - http://piggybankblog.com/2011/12/30/break-in-chain-of-title/
.
Join me in my fight America! Because divided we might have fell! But United We Must Stand!
.
My name is John Wright AND I AM FIGHTING BACK!
.
Read John’s Daily Blog at Piggybankblog.com on how to join this fight!
.
John Wright
Piggybankblog.com

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