- Report: #482142
Report - Rebuttal - Arbitrate
Complaint Review: Bank Of America
Bank Of Americawww.bankofamerica.com Internet United States of America
Bank Of America Bank of America not following FDIC regulation E Centreville, Virginia
*Author of original report: It is a federal E violation
* : I WONDER IF THERE'S ANY REGULATION AGAINST TAKING OUT- 'SECRET LIFE INSURANCE POLICIES' ON YOUR CURRENT & FORMER EMPLOYEES?
* : not a violation
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After that I didn't think anything else of that account. I got everything sorted out, and sent in letters/called all of the companies set to automatically take things out of my account, but because most of them needed something in writing, and I was in the process of moving, all of this took time, but I wasn't too worried, I figured if they tried to take something out of my account it would just come back as account closed and the company would get back in touch with me to make another payment arrangement and I could explain the situation.
Then seven months later in July I got a letter from a collections agency stating that I owed Bank of America $900 something dollars. I was floored, I hadn't received any contact form bank of America about this situation and I didn't have any clue what was going on so I sent a letter to the collection agency stating that I disputed the debt and to send proof. Surprisingly they did, they sent me bank statements, statements that I had not received from Bank of America, from the time I disputed the check until July, when the account was closed, and then apparently sent directly to a collections agency. Apparently about 4 or 5 things tried to clear my account before I could stop them, and after the first time they bounced bank of America sent them through 3 or 4 more times, although they bounced each time and nothing ever actually cleared my bank, every time I was charged a $35 fee, not to mention the monthly maintenance fee for the months of February to July. I was livid, that account was supposed to be closed in January, not July. I reported them to the Banking Commission of South Carolina, but I don't know what else to do. I don't think I should be held responsible for those fees, when I told them that I wanted the account closed the first day it happened, but at the same time I don't want this to affect my credit any more than it already has, what makes me the most upset is that I received no communication from Bank of America, the first time I heard about this was from a collections agency, seven months after the issue occurred, and after February I had fixed everything from coming out of that account, March April May and June and July all that is shown coming out is a monthly maintenance fee from Bank of America.
This report was posted on Ripoff Report on 08/18/2009 10:57 PM and is a permanent record located here: http://www.ripoffreport.com/r/Bank-Of-America/internet/Bank-Of-America-Bank-of-America-not-following-FDIC-regulation-E-Centreville-Virginia-482142. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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