abused
United States of America#2General Comment
Thu, October 27, 2011
I think your getting into questions that are none of your business. I understand that this is what you are left with. I will tell you that these checks are whats left of residual payments for work that I did years ago. As you can see Ken already was unable to list any valid issues that you raised as are you. I do not say I can cash checks anywhere but where the account agreement says so.
Robert
Irvine,#3Consumer Comment
Wed, October 26, 2011
What valid issues or points did Robert raise that I should respond to?
- To save Ken from responding, I will tell you that you don't have to respond to anything I have said previously. Because it is obvious that you would just respond with the same "I have a right to cash a check wherever I want".
But there is something that perhaps you can explain. I have never heard of a company just sending out money for no reason. So what is the reason that this company is sending you $10 checks every month and other companies are sending you various amounts at less regular intervals.
Ken
Greeley,#4Consumer Comment
Wed, October 26, 2011
#12 Consumer CommentTo the op just ignore ken he harasses people on ripoff report and gets away with it he is a loser he doesn't scare me he knows cyber bullying is agaisnt the lawAUTHOR: J - United States (USA)SUBMITTED: Wednesday, October 26, 2011POSTED: Wednesday, October 26, 2011
Ken is nothing but a cyber bully just ignore him. He doesn't scare me at all for him to attack the consumers makes him a sorry BUM.
I don't apologize for commenting on Ripoff Report. Please point out the "cyber-bullying" that I do.
ANYONE, you included, posting on ROR should expect responses, some they don't agree with....learn to live with it or stop posting.
This "sorry BUM" has to go now and plow a huge snowstorm out of the yard....have fun, all.
voiceofreason
North Carolina,#5Consumer Comment
Wed, October 26, 2011
How ya doin, man?
J
United States,#6Consumer Comment
Wed, October 26, 2011
Ken is nothing but a cyber bully just ignore him. He doesn't scare me at all for him to attack the consumers makes him a sorry BUM.
abused
United States of America#7General Comment
Wed, October 26, 2011
Reply to voice of reason
If you bet it violated a regulation or law you are wrong. I know for a fact that Capital One. and Wells
Fargo dont think twice about it. I know of no banks that have this policy. I assume that they would have a right to if they did it the right way. The Comptroller in its response said they only deal with issues of regulation and laws pertaining to banks and this was not the case here. In other words there is no regulation. If there was a law the Bank would have brought it up in the response. Why does everyone at the Bank deny it is the policy if there was a regulation? Unless something has changed you could call the head office and they would say no problem cashing these checks.
You do not fully understand what happened. I never asked for an exception. When I ran into this I knew it was never the policy before and had never heard of such a thing. When I asked administration nobody would admit to the policy. They said there was no reason they should not cash these checks. These people were higher up than the people in the branch. What should a customer do in this situation except getting caught in the middle? They put these notations on without me asking. After putting up with this baloney for a long time you see what happened. This was not a corporate account which would have been different but a dba in which the owner and the business are considered one of the same.
I did not get a personal account because 1. I did not need it 2. They (the administration) told me this was not the policy and I should be able to cash these checks 3. There is no law or regulation.
It never occurred to me that it would be a legal issue and it is not a legal issue.
If they put in the account agreement that they will cash checks against the account(which they do) and then do this under the table because they dont want to list it in the agreement (or for any other reason) would this qualify as a rip off to new customers looking at the agreement?
Reply to Ken
Its easy to talk in generalities. What valid issues or points did Robert raise that I should respond to?
Ken
Greeley,#8Consumer Comment
Tue, October 25, 2011
YOU come back with "ha-ha-ha" stupidity.
I'd say you're not good at accepting a good faith effort to help you.
Have fun dealing with your own problems...you've done so well so far. ;)
voiceofreason
North Carolina,#9Consumer Comment
Tue, October 25, 2011
Despite the willingness of certain people at that bank over the years to cash personal checks against your business account, I'm betting that doing so violates various laws or regulations. Hence, the refusal of other employees/managers to do so, despite "notations" or whatever sundry agreements were made with you by others.
Why on earth don't you, or didn't you, simply open a personal account with TD as well to handle the petty cash checks made out to you?
I'm not ready to assume that your motives were fishy in wanting this "convenience"; I'd rather think it just never occurred to you that this might become a legal issue.
But I suggest you don't do this check mixing any longer at any other bank.
abused
patchogue,#10General Comment
Tue, October 25, 2011
I have carefully reviewed your last unresponsive response. My response is HA HA HA
HA HA HA
Robert
Irvine,#11Consumer Comment
Tue, October 25, 2011
I think that Robert from Irvine should get a supervisor position with the Comptroller's Office so that he could tell them what complaints are valid.
- Sorry I don't do Government Work, I have too many other companies I work for.
why would all this be conveniently ignored by the writers?
- Because you wrote a novel to try to justify how you were Ripped off. Perhaps you should have worked on editing your "report" down a bit.
My personal account is at an internet bank where I cant cash checks
- Not knowing what Internet bank you are talking about or when you opened it, every Internet bank I have seen has the ability to mail in checks for deposit. Some are even going to using your Smart Phone to do the deposit Electronically. Is $10 once a month that urgent to you that you can't wait an extra few days to have it deposited by mail? So nice story but still a bit sketchy.
They also keep copies of all cashed checks just like deposited checks.
- This could be your downfall. Because TDB will show an extra $100 a year coming into the account and written to you not your business. So if you ever get audited you are going to have to explain to them why you mixed personal and business and hope the IRS buys your story. Personally I could care less what you do so you can take it or leave it. But for a $100 do you even want to put up huge red flags?
I never heard of writing checks to an individual instead of his business and not paying sales tax.
- Sorry but I call BS on that statement. You may have never done it, but to say you have never heard of that is not helping your case.
If it were down the street I still would have a right to cash checks at TD Bank
- Right? Where do you get the idea that cashing a check is a right?
Again since you seem to be lacking some reading comprehension. I don't believe that anyone is saying you can't cash the check at TD Bank, but to do it the way you are doing it may not be the smartest thing to do.
abused
patchogue,#12General Comment
Tue, October 25, 2011
In response to the above statements, this is a check for under $10 that I get once a month from a large company.-under $100. per year. My personal account is at an internet bank where I cant cash checks. If it were down the street I still would have a right to cash checks at TD Bank. Also TD Bank has long hours that other banks do not have.(this is why I stayed with this great Bank as long as I did.) They also keep copies of all cashed checks just like deposited checks.. What is the basis for your statements that customers write out checks to me instead of my business and I do not collect sales tax?. Is this based on the simple fact that someone cashes checks? I am interested in your response because your statements are currently being looked at to see if they are defamatory. I never heard of writing checks to an individual instead of his business and not paying sales tax. How is it that Coast is familiar with this? Where did you hear about it? Does this mean that the IRS needs to check you out? Isnt this enough to make people suspicious?
If a complaint is about a bank engaging in a procedure that they would not admit to, lying about it to the government (documented) and closing an 8 year old account without warning or justification;.why would all this be conveniently ignored by the writers? This is my idea of suspicious behavior. What if any relationship do you have with people at the Bank?
PS, The last time that I spoke to the Comptroller's Office they implied that a different section was looking into it. If it was not a valid complaint they would not have asked the Bank to respond which they did multiple times. I think that Robert from Irvine should get a supervisor position with the Comptroller's Office so that he could tell them what complaints are valid.
coast
USA#13Consumer Comment
Sat, October 22, 2011
I suspect that some of your customers are writing checks to you instead of your business. It is also possible that you are not charging state sales tax or pocketing those funds. Your actions are highly suspicious.
Robert
Irvine,#14Consumer Comment
Sat, October 22, 2011
Yep that is exactly what I said.
I am going to take a guess and say your business is not teaching people reading comprehension.
Abused from woodbury, ny
Woodbury,#15Author of original report
Fri, October 21, 2011
Are you saying nobody should cash checks?
Are you saying anyone that cashes checks is avoiding taxes? Companies notify IRS of payments.
They claim to be the "worlds most convenient bank".
coast
USA#16Consumer Comment
Thu, October 20, 2011
You could save yourself a lot of aggravation by depositing the checks into a personal account.
You should attempt to keep a low profile when attempting to hide income from the IRS.
Robert
Irvine,#17Consumer Comment
Thu, October 20, 2011
Thanks for wasting my taxpayer dollars sending this complaint to the Comptroller of the Currency.
What I got from your novel comes down to you wanting to cash a check that was written out to you personally against your business account. Then these checks for for $10-$15 and happened at most a couple of times a month.
Okay first of all if these are personal checks why don't you cash them against your personal account? Do you even have a personal account? If not why not?
I think that there is more to this story than you are letting on.
Seriously though, if this is it I personally think the Comptroller should forward your complaint to the IRS. I am sure if you are trying to use your business account for personal use, they would love to know what else you are mixing.