http://www.dailykitten.com/chat/ Daily Kitten Chat Forum Topic: I need some advice about banks en Sun, 21 Mar 2010 03:23:43 +0000 http://www.dailykitten.com/chat/topic/22584/page/2#post-466073 Mon, 02 Nov 2009 23:08:29 +0000 Buttercup 466073@http://www.dailykitten.com/chat/ <p>Boa hasn't been good to me lately. :( </p> http://www.dailykitten.com/chat/topic/22584/page/2#post-466068 Mon, 02 Nov 2009 22:24:48 +0000 MaryLynnVa 466068@http://www.dailykitten.com/chat/ <p>I must be the only one with a bad experience from a credit union. But it was a very small municipal one and they were simply inept! I now deal with Langley Federal and have never had a worry, even when my checkbook was stolen. We also deal with Bank of America because of my husband's travel, and we have not had any problems there either. </p> http://www.dailykitten.com/chat/topic/22584/page/2#post-466056 Mon, 02 Nov 2009 20:29:13 +0000 Arcalian 466056@http://www.dailykitten.com/chat/ <p>I must join the credit union chorus. My dad was a member of American Heritage Credit Union and as I was a relative he was able to invite me in. Been with them since 2002 and the only complaint I can really make is that their interest rate on my savings account ain't that great. But they never make my money vanish! </p> http://www.dailykitten.com/chat/topic/22584/page/2#post-466038 Mon, 02 Nov 2009 19:26:01 +0000 jcat 466038@http://www.dailykitten.com/chat/ <p>SM, you're right, it's particularly pernicious that this is happening to ordinary people who have to count every penny, I am so outraged I can barely speak! </p> http://www.dailykitten.com/chat/topic/22584/page/2#post-466037 Mon, 02 Nov 2009 19:22:02 +0000 SoxsMom 466037@http://www.dailykitten.com/chat/ <p>JCat I agree! </p> http://www.dailykitten.com/chat/topic/22584#post-466035 Mon, 02 Nov 2009 19:20:21 +0000 jcat 466035@http://www.dailykitten.com/chat/ <p>OW, I know it's a pain to fight but I think this is outrageous. People need to know about this. When the October statement comes out, I would simply photocopy the statements, highlight with a highlighter pen the places where discrepancies occur, and send with a short covering letter -- eg I believe money has been disappearing from my account. The bank refuses to investigate, please see attached statements with discrepancies highlighted -- to the Attorney General's office, with a copy to your local newspaper and TV news station. That wouldn't be too much trouble, would it? It's stealing, that's all it is!</p> <p>Discrepancies on the statement ($20!) and stopping showing the running total SPEAK FOR THEMSELVES! You don't need any further proof for investigation to be warranted! </p> http://www.dailykitten.com/chat/topic/22584#post-466034 Mon, 02 Nov 2009 19:19:00 +0000 SoxsMom 466034@http://www.dailykitten.com/chat/ <p>That is exactly what the thief is banking on--that you will not make waves and they can continue to rob people. It is your choice, but with you limited funds you live on you deserve all your money. Living on $200 a month is very little and $125 lost is over half your monthly income. I understand not wanting to go to the trouble--but you were robbed just the same as if some thug walked up to you on the street with a gun and demanded your money. </p> http://www.dailykitten.com/chat/topic/22584#post-466032 Mon, 02 Nov 2009 19:11:03 +0000 owlwatcher_974 466032@http://www.dailykitten.com/chat/ <p>Thank you all for your advice. I am going to apply for a checking account at Arrowhead credit union as soon as the checks I deposited are cleared and I can get my money out to start another account.</p> <p>After all the fees and the money disappearing out of my account, I am out $125. I am not going to try to file any complaints, as I simply have no proof. I have the notebook that I use to keep track of my balance and I have the last couple of deposit slips with the check images on them. But I don't have the running total from the bank, and October's statement is not available yet. However, there is a $20 discrepancy on the September statement and I can see where they deliberately stop listing the running balance a few transactions before the $20 disappears and later on another $10 disappears. </p> <p>Yes I could go and fight, but I doubt I would have any better luck that the others who have tried to fight this same problem. The bank is always right, there is something we are not seeing, or whatever reason they can think of to keep from crediting the account and returning the money that has disappeared. I think I will just get out of there as fast as I can before they can steal any more of my money. </p> http://www.dailykitten.com/chat/topic/22584#post-465965 Mon, 02 Nov 2009 15:36:51 +0000 Cheri 12/22 465965@http://www.dailykitten.com/chat/ <p>i love my credit union. i've been with them for 26 years. there are very nice and they also have a web site where i can do just about anything there... </p> http://www.dailykitten.com/chat/topic/22584#post-465944 Mon, 02 Nov 2009 13:36:27 +0000 KYKAT 12 23 465944@http://www.dailykitten.com/chat/ <p>You might want to file a complaint with your state's Attorney General. They are the top guns and have the authority to pursue an investigation of the bank. Definitely order your last several months of statements so you can pinpoint where there are discrepancies. Also once you have the statements as proof and have closed the account and have your money safely at the credit union, write a letter to the editor of the newspaper and call your local television stations and raise holy heck with them. </p> http://www.dailykitten.com/chat/topic/22584#post-465935 Mon, 02 Nov 2009 13:12:28 +0000 Sheba's Mom in Phx, AZ 465935@http://www.dailykitten.com/chat/ <p>I hate banks---go to a credit union. I would report them to your state banking commission. They are required to show you where your money went---they have records going back so don't let them bully you. Make as much noise as possible if they won't help you-they don't want other customers to hear how they ripped you off! </p> http://www.dailykitten.com/chat/topic/22584#post-465934 Mon, 02 Nov 2009 12:58:13 +0000 owlwatcher_974 465934@http://www.dailykitten.com/chat/ <p>Thank you all for the advice. We have Arrowhead Credit Union here, and while their locations aren't as convenient as the banks, it looks like the perfect choice. They only have 2 complaints on ripoffreport.com, while the banks I have checked out all have over 1500 complaints.</p> <p>Now I just have to wait for the checks I just deposited to clear before I can apply for a checking account at Arrowhead. </p> http://www.dailykitten.com/chat/topic/22584#post-465871 Mon, 02 Nov 2009 10:02:00 +0000 CheetahBoysmommy 465871@http://www.dailykitten.com/chat/ <p>I vote for a credit union as well. Since they are 'owned' by the members (everyone who belongs to it) they aren't trying to make big bucks for their executives and their stockholders. </p> http://www.dailykitten.com/chat/topic/22584#post-465845 Mon, 02 Nov 2009 08:25:57 +0000 feral 465845@http://www.dailykitten.com/chat/ <p>I agree with RW...ever since Chase took over...everyone I know that banks w/them is in really bad shape. Stay away from Chase. They'll sc**w you in every way possible. </p> http://www.dailykitten.com/chat/topic/22584#post-465798 Mon, 02 Nov 2009 01:38:48 +0000 AZDEBRA 5/27 & crew 465798@http://www.dailykitten.com/chat/ <p>I agree with Rainingwolf, go to a credit union. I would and am still considering it, its just such a pain to change everything over from my current account. </p> http://www.dailykitten.com/chat/topic/22584#post-465797 Mon, 02 Nov 2009 01:37:26 +0000 rainingwolf 465797@http://www.dailykitten.com/chat/ <p>PS-and when I rolled over my Visa to the credit union, my rate went DOWN to 12% ! </p> http://www.dailykitten.com/chat/topic/22584#post-465796 Mon, 02 Nov 2009 01:35:25 +0000 rainingwolf 465796@http://www.dailykitten.com/chat/ <p>Well, WaMu is now taken over by Chase Bank. We have been customers of Wash. Mutual for over 20 years with no problem. Now that Chase has it, it's a mess. My Visa has always been paid on time and always more than the minimum amount. Yet when Chase took over they raised my rate from 18% to 29% !! And when we deposit a check, we are not allowed to take cash out until the next day, which is a pain for us since Victor and I are homebound and it is really hard for us to get to the bank twice in one week. If you want to change, find a credit union. They are much friendlier and easier to deal with. We moved out account to one and have been very happy. </p> http://www.dailykitten.com/chat/topic/22584#post-465784 Mon, 02 Nov 2009 00:24:36 +0000 lisaeylau 465784@http://www.dailykitten.com/chat/ <p>Just wanted to let you know I went thru this with BOA, so don't go there. They have terrible problems with their online processing group, which is outsourced. </p> http://www.dailykitten.com/chat/topic/22584#post-465780 Sun, 01 Nov 2009 23:28:59 +0000 owlwatcher_974 465780@http://www.dailykitten.com/chat/ <p>The customer is fully aware of the situation and she is the one who decided that she did not want to spend the money to put a stop payment on the check. She has already written me another check, so that is not an issue.</p> <p>The thing I am having problems with is the money disappearing out of my account with no records of any money being taken out. From what I have read on ripoffreport.com, I am not the only person this has happened to, and none of those people were able to get their money back either. The only thing I can do is to change banks and get away from Wells Fargo as quick as I can. That's why I was wanting to know about those other two banks because I want to get as much information as I can before I choose a bank. </p> http://www.dailykitten.com/chat/topic/22584#post-465778 Sun, 01 Nov 2009 22:40:21 +0000 AZDEBRA 5/27 & crew 465778@http://www.dailykitten.com/chat/ <p>Lisa, it couldn't have been BOA she was considering changing over to them. </p> <p>OW, pls do have the customer stop payment on the check, whether its lost or not it hasn't paid the monies to you, and they can re-issue another check to you. My bank (which I have had since 1992) lately has been having issues also with their own tellers taking money out of my account and handing it (literally) to another bank patron with almost the same name (she had no id, forgot her address, and needed a money order....what the heck her name was almost the same as mine) and it was only about $700. Good luck. </p> http://www.dailykitten.com/chat/topic/22584#post-465770 Sun, 01 Nov 2009 20:59:10 +0000 Marnet 465770@http://www.dailykitten.com/chat/ <p>Contact your state's attorney general. Also, try to find how to report this to federal bank examiners. </p> http://www.dailykitten.com/chat/topic/22584#post-465765 Sun, 01 Nov 2009 20:48:23 +0000 KarenCentennial 465765@http://www.dailykitten.com/chat/ <p>I think what OW meant when she said that the customers bank had no record of the check is just that - the customer has a check register that they keep their balance and all that - we know about all this - but the check never cleared customers bank - so it is considered lost until it is cashed and then if it is cashed by someone other than OW it is considered stolen. Again - your customer needs to get a stop payment to protect their account in the event this check is "found" and cashed by someone else. </p> http://www.dailykitten.com/chat/topic/22584#post-465761 Sun, 01 Nov 2009 20:41:32 +0000 jcat 465761@http://www.dailykitten.com/chat/ <p>Feral, that's what I don't get. There should be at least half a paper trail... </p> http://www.dailykitten.com/chat/topic/22584#post-465760 Sun, 01 Nov 2009 20:41:19 +0000 KarenCentennial 465760@http://www.dailykitten.com/chat/ <p>okay - so if the customer said that the check has not cleared their bank, they definitely need to get a stop payment immediately - this check can be changed in the amount and then cashed very easily for more money than they actually wrote it for, and they would be out the funds as well as you. If they are good customers, they should have no problem with re-issuing you a new check and then you would only be out the bank charges - much better than being out of all the money, at least. </p> http://www.dailykitten.com/chat/topic/22584#post-465756 Sun, 01 Nov 2009 20:38:47 +0000 feral 465756@http://www.dailykitten.com/chat/ <p>I'm with Jcat...you should ask your customer to put a stop payment on the original check &amp; have a new one written.<br /> I hate to ask...is the customer who wrote the check to you trustworthy? I ask because the check doesn't show up in his/her account either. </p> http://www.dailykitten.com/chat/topic/22584#post-465752 Sun, 01 Nov 2009 20:34:36 +0000 KarenCentennial 465752@http://www.dailykitten.com/chat/ <p>Banks make most of their money with the overdraft fees that they charge, and they just love to pay a check that is off by just a few pennies - I made an error on a van loan payment back in May - I mis-wrote the check for under the correct amount by .08 and I was charged a $15.00 late fee - I went to the credit union that I pay the loan payment to and complained because their teller didn't catch the error and I was there in person to make the payment. They canceled the late charge and agreed that it was their error - all I had to do was make the .08 payment. Keep your receipts when you make a deposit and always check your statements. I do online banking just because Richard wasn't always letting me know when he used the business card, and I got angry with him and the bank and laid down the law to him - it is hard to blame the bank when it was obviously a communication problem on his part. The overdraft charges are outrageous now and if I wasn't able to access our info online, I would have ulcers again! </p> http://www.dailykitten.com/chat/topic/22584#post-465745 Sun, 01 Nov 2009 20:27:48 +0000 lisaeylau 465745@http://www.dailykitten.com/chat/ <p>OW, was this BOA? </p> http://www.dailykitten.com/chat/topic/22584#post-465743 Sun, 01 Nov 2009 20:24:36 +0000 jcat 465743@http://www.dailykitten.com/chat/ <p>OW, how is that possible? Are you sure your customer wrote it? American cheques have numbers on them, right? So either the cheque with that number on it has been cashed, and it will show up on the statement, or it hasn't, and you need to ask your customer to stop it and pay you again.</p> <p>It's no skin off your customer's nose to pay you again because if it's truly disappeared, you haven't been paid by them yet, no money's come out of their account. </p> http://www.dailykitten.com/chat/topic/22584#post-465742 Sun, 01 Nov 2009 20:23:13 +0000 owlwatcher_974 465742@http://www.dailykitten.com/chat/ <p>customer's bank has no record of the check either. it just disappeared. </p> http://www.dailykitten.com/chat/topic/22584#post-465741 Sun, 01 Nov 2009 20:17:56 +0000 jcat 465741@http://www.dailykitten.com/chat/ <p>Sorry, double post, senior moment! </p>