- Report: #429764
Complaint Review: Tier One Bank - Clarinda Iowa
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Tier One Bank
301 E. Washington Clarinda, 51632 Iowa, U.S.A.
Phone:
712-542-5605
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Tier One Bank AFTER account was closed, charged me 'insufficient funds' fees which ruined my credit Clarinda Iowa
I had an account with this bank, based out of Lincoln, NE. When I was about to move out of state, I called them to tell them I was closing it.
They said my final few dollars I had gotten it down to would be mailed to me. I never received it. I later discovered that they did not close the account at all.
They left my last few bucks in there, and then charged me a 25.00 fee for having too few dollars in my account. Then they charged me again for having too low of a balance.
This made it a negative balance, so they charged me again, which was too low, so they charged me again....etc., etc...
They did this until it added up to a negative amount of nearly 200.00! Then I got a letter telling me I was in overdraft and they were going to close my account if I did not pay it. My calls and letters were put on hold/ ignored.
Now that I need a new bank account where I live now, I find that I have been reported to ChexSystems for "abuse of account and insufficient funds activity". Two banks so far refuse to give me an account because of it.
My request to ChexSystems for more info merely nets me a letter saying what banks have asked for info on me, and how much I supposedly "owe" to TierOne. The other banks say I need to pay TierOne the money they claim I owe and then have them send a fax to the new bank stating that I paid it.
It will be a cold day in hell before I pay for this non-existant "abuse" of my account. For now I am using a Walmart prepaid debit card, and suggest others that are being screwed by the banks do the same.
TierOne did this deliberately, s****..
They said my final few dollars I had gotten it down to would be mailed to me. I never received it. I later discovered that they did not close the account at all.
They left my last few bucks in there, and then charged me a 25.00 fee for having too few dollars in my account. Then they charged me again for having too low of a balance.
This made it a negative balance, so they charged me again, which was too low, so they charged me again....etc., etc...
They did this until it added up to a negative amount of nearly 200.00! Then I got a letter telling me I was in overdraft and they were going to close my account if I did not pay it. My calls and letters were put on hold/ ignored.
Now that I need a new bank account where I live now, I find that I have been reported to ChexSystems for "abuse of account and insufficient funds activity". Two banks so far refuse to give me an account because of it.
My request to ChexSystems for more info merely nets me a letter saying what banks have asked for info on me, and how much I supposedly "owe" to TierOne. The other banks say I need to pay TierOne the money they claim I owe and then have them send a fax to the new bank stating that I paid it.
It will be a cold day in hell before I pay for this non-existant "abuse" of my account. For now I am using a Walmart prepaid debit card, and suggest others that are being screwed by the banks do the same.
TierOne did this deliberately, s****..
1 Updates & Rebuttals
James
st. joseph,Missouri,
U.S.A.
vindicated, sort of
#2
Fri, August 28, 2009
I finally got ahold of Chex Systems, and filed for a review, and also disputed the claim. They investigated it, and Tier One could not provide them with any proof of their claim. Therefore ChexSystems dropped this off of my record with them. Funny how after all of this, that bank never had the proof to begin with that I owed them anything. And the other banks just took their word for it, and assumed I was lying.
