Sovereign State Bank gives away savings to shopping club network-closed acct. Lost extra $650 from returned Visa charge. RIPOFF

I borrowed $1500.00 from Cita Financial for the prupose of buying a coumputer. I had previously borrowed $1500 from them, but when I paid $922.00 to Nationwide Computers in New Brunswick, NJ, for a Pentium 4, they said they didn't have all the parts, than they went bankrupt and I am still awaiting a response from bankrkuptcy court. I Purchased a computer system from U-bid.com, but when it didn't work they would not fix it, so I had to send it back, and u-bid.com jahs just today informed me that they had credited the $655.55 to the Visa Account I had with Sovereign State Bank in Ocotber,2001. I had closed my account with Sovereign State Bank on July 25, 2001 with a $78.00 withdrawel, which was what I had left of $1500 I had borrowed from Cita Financial. On June 15, I responded to a credit card I received from Consumer Resource Services,Inc. I was sent a First National Card.
Acct# 7200 8632 0729 9777, good to 05/02. The Activation # was 1-800-717-1278. The credit dept. # is 1-800-731-0121.

I had given them my checking Acct # for verication. Sovereign Bank ,Pine Beach,NJ check Acct# 041107827 0384 , bank # 231372691.

They than requested that I authorize a transfer of $199 to them, as they are a sopping network, whereupon I explained there was a misunderstanding,as i thought it was a credit card, and requested that they cancel the program, and just to be safe,I went to the bank and exlained that I did not want any money transfered to this shopping network,and as extra insurance i had my money in my checking acct. transfered to my savings acct, and i filled out forms so that I could continue to use my visa card to make purchases,and was told that I could even write checks,as money would automaticaaly be transferred from the savings account to th checking account. When I returned home I again called the shopping network to insure that me account was indeed cancelled, and they said it was not activated.

A Month later I find out that a large amount of my money is missing from my saving account, and when I went to the bank to find out what happened, they refused to listen to me, so I had no choice but to close my account and withdraw the $73.56 I still had left in the Account.Based on my records the bank took the following actions. on ^/19 they transferred $199 to consumer credit, membership # 0106187491,than charged me for all transactions I made on my account with penelties and fees, despite the fact there was still plenty of money in my account, which was verified when I withdraw the $73.56 I still had after a month of fees and charges.
6/20 sweep fees $10
6/25 " " $10
6/29 " " $10
7/02 " " $10
7/10 " " $10 7/13 excess activity fee $20
7/16 " " " $20
7/17 " " " $20
7/11 sweep fees $10 7/17 sweep fee $10
7/13 " " $10
7/16 " " $10
7/24 " " $10
6/19 service fee $ 5
______________________________________
Total charges $165

I closed my account on 7/25 01, yet in spite of that Sovereign State Bank contued to give the shopping club in Los Vegas an additional $250 in the following months, all that despite my calling the division of consumer affairs and sending a detailed letter to the Sovereign State Bank Headquarters in Pennslyvania, whereupon they responded that I must give a 30 day notice in advance in order to stop any payments, which was non-sensical, because they contimued to give the shoppping club money despite that very letter I sent to them, after I had closed the account.

Now I have discovered from U-bid.com that they had returned $655.55 to the Visa account I had with Sovereign State Bank, which had not notified me of that, Instead , kSovereign State Bank has filed with a Collection agency for $350 they claim that I owe them. If this isn't the rip-off of rip-offs of the poor working class disabled, who was injured on a union job, the International Association of Machinist and Aeorospace Workers, as I was a machinist for 9 years, a carpenter for 4 yrs, 1 yr. as a union member of the textile Industry with my father at Bluco Textile in brooklyn, NY, and 10 yrs . of part-time college with a 3.5GPA (A Student) with over 130 Semester Credits, but only an AA in Arts, who sustained a chronic-lumber-sacral sprain, a perminent twist in my back, injurial arthritis, cervical Sprain, with a buildup of destroyed muscle tissue from 21 yrs of muscle spasms which all clearly are visable on x-rays, but despite the faxct I was making approx. $650 a week in 1979,I am only collecting $134 a week from Workmans Comp. because the Colorado Court says my injury is psyklchosomatic( I could not walk for 5 yrs), and didn,t have a leg to stant on, so my medical bills remain unpaid, I still must pay $250 a month for medication, I never got any educational benefits so I have not been back to college for 21 yrs.For me, nad for everyone I know and ever known( and since I was born in NY Ciity and raised in the NY suburbs that is a lot of people) the American Dream had been a lifelong Nightmare, I Thank God for my Daughter and my 3 yr old grandaughter, but
How can I stop from being constatly being ripped-off???????

Albert
Beachwood, New Jersey

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