BANK OF AMERICA SCREW ME OVER BIG TIME ripoff MIAMI Florida
I BEEN HAVING MAJOR PROBLEMS WITH MY ACCOUNT. FOR 2 MONTHS NO ONE SEEMS TO CARE NOW I AM ON CHEX SYSTEMS WHICH I AM EVEN MORE ANGRY ABOUT.
2 MONTHS AGO I LOST MY ATM/DEBIT CARD I BELEIVE IT WAS AT WORK(AIRPORT). SO I BEGAN TO LOOK FOR MY CARD FOR 2DAYS OF NO LUCK. SO I THEN CALL BANK OF AMERICA THEY TELLS ME I HAVE TO SPEAK TO RISK CLOSURE DEPARTMENT SO I THEN WAITED FOR ABOUT 45 MINUTES ON HOLD AND THE REP TELLS ME THAT I HAVE OVERDRAWN CHARGES.
I TOLD THEM THAT IT WAS NOT ME THAT DID THESE CHARGES SINCE THEY HAPPEN IN FLORDIA AND I LIVES IN NEW JERSEY HOW COULD I POSSIBLE DUE THIS. I THEN TOLD THE REP. I LOST MY CARD THEN THEY TELLS ME I HAVE TO TRANSFER YOU TO CLAIMS DEPARTMENT TO MAKE A CLAIM FOR THE ITEMS THAT WAS BOUGHT BACK TO ME.
SO THEN CLAIMS TELLS ME WE CAN'T DO ANYTHING BECAUSE THERE IS A NOTE ON MY ACCOUNT THAT I CAN ONLY SPEAK TO RISK CLOSEURE DEPARTMENT BUT I THEN TELL THAT I REP I ALREADY DID BUT NO ONE SEEMS TO CARE AND KEEP TRANSFERING ME ALL OVER THE PLACE.
SO AFTER GETTING MAD I CALL BACK WITHIN A FEW DAYS BECAUSE I HAVE 60 DAYS TO MAKE A CLAIM IT SAID ON THE POLICY. SO I CALL BACK AND I NOTIFYED THEM AGAIN THAT MY CARD IS LOST ALL THEY SEEMS TO BE WORRY ABOUT IS MY OVERDRAWN CHARGES.
SO THEN I FINALLY SPOKE TO SOMEONE IN CLAIMS DEPT AND THEY SAID TO ME THAT I DON'T HAVE ANYTHING TO WORRY ABOUT BECAUSE I MADE THE CLAIM WITHIN REASONABLE TIME SO I THOUGHT I WAS GOING TO BE OK. SO I CALL BACK TO FEW DAYS LATER TO GET SOME FEEDBACK. THEY TOLD ME THAT MY CLAIM WAS DENIED.
SO I THEN ASK WHY THEY SAID MY PIN WAS USED WITH MY CARD BUT I TOLD THEM MY CARD WAS LOST THEY ASK ME HOW IS MY CARD LOST AND SOMEONE OUT OF NO WHERE GETS MY PIN I TOLD THAT I DIDN'T KNOW ONLY I KNOW MY PIN AND DINT WRITE IT DOWN SO THEN THEY SAID THEY GOING TO REVIEW IT AGAIN AND CHECK IT OUT.
I THEN CALL BACK WITHIN FEW DAYS AGAIN AND SPOKE TO THIS INVESTGATOR NAME VICTORY SPOTTY THAT WORKS IN FL. SHE SAID THAT IT IS HAPPEN ALOT ON THE EAST COAST SO SHE BELIEVES THAT I SOLD MY INFORMATION TO SOMEONE. BUT WHY WOULD I DO THAT IF I ONLY HAVE NO MORE THAN $80 IN MY ACCOUNT NOT TO MENTION MY PAYROLL GOT DIRECT ENTRY INTO MY CHECK ACCOUNT AND I HAVENT GOTTEN A PENNY OF IT.
SO I CONTINUTE TO CALL VICTORY ALMOST EVERYDAY ABOUT MY ACCOUNT SHE TELLS ME THAT SHE WOULD NOT ACCEPT MY ACCOUNT AND THAT I HAVE TO PAY THE $4,000-$5,000 BACK IN ORDER TO GET MY ACCOUNT BACK TO NORMAL I WOULD NOT PAY A PENNY DUE TO FRAUD THAT HAPPEN BUT NO ONE BELIEVE THAT IT IS FRAUD.
I AM NOW A VICTIM OF CHEX SYSTEM I AM ONLY 20 YEAR OLD AND DON'T KNOW WHAT TO DO WITH MY LIFE IT IS RUINED. I ASKED FOR A NEW INVESTGATOR BUT NOTHING SEEMS TO HAPPEN. MAYBE SOME CAN HELP ME. PLEASE USE THE REBUTTAL BOX BELOW.
THANK YOU!
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Thomas
Irvington, New Jersey
U.S.A.
5 Updates & Rebuttals
Timfany
Atlanta,Georgia,
U.S.A.
fraud trend
#6Consumer Suggestion
Sat, September 09, 2006
based on what you have stated the situation does fit the pattern of you selling your checkcard to someone or working with a friend that lives in another state. You fit the age range in a trend that is constantly seen. If you did not have your pin written down no one could of guessed it. only other option there is, a friend who has seen you use your pin before took your card. If there are no invalid pin attempts on the account either your are in with them or someone close took card and mailed it to someone in fla. if the account was in the risk management department then someone was doing empty envelope deposits and withdrawing money, and or went to a post office and bought money orders. did you withdraw all your money from direct deposit right before it happened but didn't in the past, was card used everyday and then all the sudden stopped lets say in the time frame it takes for a card to be mailed to someone not just the two days you lost your card. Was account opened less then six months and opened with the minimum deposit. People have spending patterns on accounts if yours fit any of the above then yeah this fits customer fraud. Just because your not on camera does not make it fraud. If you stick by your story then a friend did this to you and saw you use your pin.
Steve
Bradenton,Florida,
U.S.A.
Thomas...How did they get your PIN#????
#6Consumer Suggestion
Mon, August 14, 2006
Thomas,
I debit card is useless unless the person has your PIN#. Did you write your PIN# on your card? Did you lose just your card or your entire wallet with ID, etc.?
If it is a VISA branded debit card and the PIN is not being used, it is considered a "credit" transaction which means you are only responsible for the first $50.
You really need to stay off the phone, and start sending some certified letters with return reciept requested.
You need to demand all transaction records, copies of reciepts with signatures, etc. You are entitled to these.
Did you file a police report? If not, why not? You need this for a fraud claim or identity theft case.
This should have never gone this far. I mean, did they run that 4 grand+ up in 1 day? How long did it take for you to figure out you lost your card [and PIN#]?
Live and learn. Good luck.
Jake
Beaverton,Oregon,
U.S.A.
To much time
#6Consumer Suggestion
Mon, August 14, 2006
Apparently someone obviously spent $4-$5k using your ATM card. I would hire an attorney to represent you, if you are 100% positive you are a victim of fraud. The Banks procedures are as follows:
1. engage in-house counsel
2. set up preliminary actions ( which is best for the bank )
3. resolve with little to no exposure
4. set up meeting with attorney to discuss a settlement
5. If the Bank finds you creditable to your accusations, you will receive the following:
* Attorney retainer fee paid by the bank
* Bulls eye report to clear any derogatory remarks as a result of this incident.
* Sum of money to be paid to you ( loss of work, time involved and pain and suffering )
Hope this Helps.
If it makes any difference I am an Executive with a National Bank. JB.
Jeffery
Killeen,Texas,
U.S.A.
almost forgot
#6Consumer Suggestion
Mon, August 14, 2006
Request a copy of the documents the bank used in their investigation. They are required to provide them when requested after a disbute is denied.
Look them over and refile a disbute of the charges using these documents to back up your position.
Jeffery
Killeen,Texas,
U.S.A.
try this
#6Consumer Suggestion
Mon, August 14, 2006
you should at most be responcible for the first two days of not reporting it. since you called in and told them that the card was lost/stolen, it was there job to cancel the card. Ask for a writen statment as to why this was not done.
next ask for the time and date that every transaction was done, if possible prove that those couldnt possibly be you (IE: a transaction at 7:05 100 miles from your work place and you clocked in at 6:59, almost inposible to do that) and take it to your local branch manager. he/she is going to say that they cant help you most likely, since they cant help you, get that statment in writing with detils
somthing to the affect of
I _________ being the branch manager of xxx bank have seen all evidence of mr. xxx and even though it is without dought that he could not possibly have done some of this and reported his card stolen and since the bank has not done anything about it, will not help our valued costomor.
something to that extent. and only if you have proof that it was not you and there not working with you, and only have him put the truth. and write it there
also get another statment as to why the card wasent canceled in the first place.
next call the fraud department up. tell them of the proof you have. take names , time and numbers.
if the fraud department is not willing to help you out still, ask them why. you have complyed with everything that is to what they want and reported it in a timly manner.
as to how a the guy got your pin, theres a number of ways to do that, one is they saw you put it in the keypad, most likly that if the card was the only thing stolen.
now that you have tryed all options with the bank, go to your local news paper stand and find a good reporter that looking for a story and tell them yours, give them the copys of the statments you have and all the times and dates, and offer to take him/her with you into the bank managers office.
i to was a victom of somthing simular, and had the same problem with BoA, but lucky i had a good bank manager, i hope you have one to that will work with you
good luck