Ashley
Springfield,#2Consumer Comment
Wed, July 15, 2009
Did you ever have a directv account? If you read on this site they are notorious for what has happened to you. If you had a directv account, did you cancel it within the first 2 year or not return some equipment?
Ashley
Springfield,#3Consumer Comment
Wed, July 15, 2009
Did you ever have a directv account? If you read on this site they are notorious for what has happened to you. If you had a directv account, did you cancel it within the first 2 year or not return some equipment?
Ashley
Springfield,#4Consumer Comment
Wed, July 15, 2009
Did you ever have a directv account? If you read on this site they are notorious for what has happened to you. If you had a directv account, did you cancel it within the first 2 year or not return some equipment?
Ashley
Springfield,#5Consumer Comment
Wed, July 15, 2009
Did you ever have a directv account? If you read on this site they are notorious for what has happened to you. If you had a directv account, did you cancel it within the first 2 year or not return some equipment?
Erob12
St. Louis,#6Author of original report
Wed, July 15, 2009
I received a letter from US Bank on June 1, 2009 stating that they've investigated the matter and that although they found no fault on their end, they will be reversing the overdraft fees affiliated with the account. They said I could request full documentation of their investigation by request. The letter also showed that the original charge to the account was made by DirecTV and was attached to a DirecTV account number I did not recognize. I called DirecTV to inquire about the charge and they said they have no history of that account number or of any charge to me for that amount... Interesting... I wrote back to US Bank requesting the full documentation of the investigation and agreed that since they were reversing the charges, I considered the matter closed. On July 14, 2009, I received a phone call from 'Jason' at Regent Asset Management Solutions 'on behalf of the law office of D. Scott Caruthers' who stated there was a judgement against me in the amount of $844.47 for an overdue US Bank account balance. (!) I explained to 'Jason' (who was INCREDIBLY rude from the beginning) that I received a letter from US Bank stating that the charges were being reversed. He of course did not believe me, so I offered to fax him a copy of the letter. He demanded the account number be written on the letter. Of course the number is already on the letter, but since I haven't received any validation of this debt and I don't know him from Adam, I blocked out all but the last four numbers of the account number. If he is legit, he will have the full number or can obtain it from his client. I faxed him a copy of the letter as well as another letter telling him that I do not want their company to contact me any longer per the FDCPA. I called US Bank's fraud department and asked them why there are still collectors calling me about a resolved account. The girl I talked to was extremely friendly and helpful (for a change) and tried to find my account so that she could figure out what was going on. She was unable to find any record of my account in their system. She said she'd have to call me back in 48 hours or that a manager would contact me, because she was unable to find any information about this account ever having existed. (?!?) She also said that if I can get a letter from DirecTV stating what they told me over the phone, that "this will all go away." I'm going to contact them today and see if they can send me a statement. At 8:00 am, July 15, 2009, I got received a call from 'Alvin' at Regent Asset Management Solutions 'on behalf of the law office of D. Scott Caruthers' who stated all the same things (but wasn't as rude this time.) I told 'Alvin' that I had already faxed a copy of the US Bank letter explaining my situation to 'Jason' and he said "Oh, now I see this in my notes." You'd think he'd have read his 'notes' before calling. He apologized for the inconvenience and hung up. This whole thing is such a circus! It's been going on for 7 months now!
Ashley
Springfield,#7Consumer Suggestion
Thu, April 30, 2009
I have a suggestion, perhaps the bank does not keep checks that far back? Since 90 days is the typical amount of time to dispute a charge, I can't see banks keeping canceled check for much longer than that. I can't say for sure on US bank, but my bank does not keep checks longer than 60 days unless I have a special account setup and pay a fee for it.
Erob12
St. Louis,#8Author of original report
Thu, April 30, 2009
I received a registered letter from US Bank yesterday, April 29, 2009 (only after the BBB got involved) stating that they 'apologize' for ignoring my previous inquiries and that they will not be further investigating the matter. They DID state that a check written from the account for $358.83 had caused the account to go negative. (!) It was condescending and rude - pointing out that if I had been responsible in gathering my statements and checking my account balances daily, I could have dealt with the problem immediately. I agree that I should've gone into the bank and updated my information when I realized despite submitting a change of address form, I was not receiving statements. HOWEVER, this was a savings account that I kept open in case I needed it later. It had $5 in it. There was no debit card associated with the account or any checks that could be written from the account. If the account was NOT a checking account and I had never ordered checks or received checks for the account, HOW was a check written from the account??? This is a blatant bank error or case of fraud. After receiving the letter, I contacted US Bank's recoveries department who then passed me over to the fraud department. I asked the representative if it would be possible to have a copy of the cancelled check faxed or mailed to me. I was told US Bank does not keep records like that and they will only give me my statements to validate the charges. How does that even make sense?!? US Bank does not keep records??? I've asked my primary bank (a different bank) for copies of checks all the time -- in fact, all I have to do is log into my account and there is a copy provided as soon as it clears! If US Bank doesn't keep records of account activity other than +/- statement logs, what can be done if a bank error is made or if there is fraudulent activity on the account? I was under the impression that if you were going to accuse an individual or anyone of violating an agreement, you had to have documentation in order for the accusation to have legal standing. Perhaps I was naive.