• Report: #712532

Complaint Review: FLAGSTAR BANK

  • Submitted: Thu, March 31, 2011
  • Updated: Tue, April 05, 2011

  • Reported By: Randy — Chesterfield Michigan United States of America
FLAGSTAR BANK
34680 23 MILE RD CHESTERFIELD, Michigan United States of America
  • Phone: 586-716-5074
  • Web:
  • Category: Banks

FLAGSTAR BANK charging $12.50 a day for not using my account CHESTERFIELD, Michigan

*Consumer Suggestion: Glad to hear it Randy!

*Author of original report: RIPOFF REPORT REALLY WORKS

*Author of original report: Your support

*Consumer Comment: Because

*Consumer Suggestion: Ok Patticakes you get half a point!

*Consumer Suggestion: Why THANK YOU Lawrence!

*Consumer Suggestion: Apology accepted Steve, now lets get this kid his money back!

*Consumer Comment: A polite comment

*Consumer Comment: TO "mr rik"

*Consumer Suggestion: Welcome back Steve!

*Consumer Comment: Chase Bank has absolutely nothing to do with this thread

*Consumer Suggestion: Whenever you see CHASE, you should run the other way FAST!

*Consumer Comment: Not Your Work's Responsibility

*Consumer Comment: So

*Author of original report: INACTIVE ACCOUNT MEANS NOT MAKING TRANSACTIONS

*Consumer Suggestion: Touchy ego there Steve????

*Consumer Comment: "Mr. Rik" needs a reality check, "Buy and sell me"?? Yeah OK

*Consumer Comment: You go mr. rik!

*Consumer Suggestion: Predatory!

*Consumer Comment: OK. So Why Didn't The $100 Go Through?

*Consumer Suggestion: To Randy

*Consumer Suggestion: Super Shill!

*Consumer Comment: Clean up your act mr. rik

*Author of original report: How this happend

*Consumer Suggestion: Been doin it for years Steve!

*Consumer Comment: "Mr Rik" must be really young and immature... with bad ideas

*Consumer Suggestion: Relax

*Consumer Comment: How Long Has The Account Been Overdrawn??

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Flagstar Bank Chesterfield / New Baltimore is charging me $12.50 a day for an inative account. They will not close the account unless i pay over $200 and still rising. Bank manager  Kelli Arvant threatened me if i do not pay this it will go on my credit report. In my opinion Kelli  Arvant should not be managing a small town bank. Flagstar Bank  and Kelli Arvant just close the account  stop trying to take money from the poor. Stay away from this bank they will charge you even if you do not use your account.

This report was posted on Ripoff Report on 03/31/2011 06:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/FLAGSTAR-BANK/CHESTERFIELD-Michigan-48047/FLAGSTAR-BANK-charging-1250-a-day-for-not-using-my-account-CHESTERFIELD-Michigan-712532. 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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#1 Consumer Suggestion

Glad to hear it Randy!

AUTHOR: mr. rik - (USA)

That's good news indeed.  I was working on a nice Devil's Night list for you, but looks like you may not need it now!

Let us know when you get your eggs in the basket, or however the saying goes!
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#2 Author of original report

RIPOFF REPORT REALLY WORKS

AUTHOR: Randy - (United States of America)

Flagstar corporate called today and  said they are waving the fees. They said tell who ever you want. So i will tell all of you !    my credit was saved and alot of money.   THANK YOU  Guess this is over i will post when i get it in writing.
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#3 Author of original report

Your support

AUTHOR: Randy - (United States of America)

Anyone helping thank you
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#4 Consumer Comment

Because

AUTHOR: patti - (United States of America)

Because I have no suggestions for this naive young man.

Love, patticakes!
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#5 Consumer Suggestion

Ok Patticakes you get half a point!

AUTHOR: mr. rik - (USA)

Now with your 30yrs banking experience why dont YOU get in here and offer some suggestions for this kid to beat this bogus debt.

Dont worry we wont tell your boss!
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#6 Consumer Suggestion

Why THANK YOU Lawrence!

AUTHOR: mr. rik - (USA)

I try!
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#7 Consumer Suggestion

Apology accepted Steve, now lets get this kid his money back!

AUTHOR: mr. rik - (USA)

I just got off the phone with this "person"  and she really wasn't much help at all. I asked her how she felt about and why would she want to rip off a kid like this? She said she knew it was all over the net and gave me some conflicting information as to the acct.  But really, who are you gonna believe???

I think with your knowledge of ripoffery you could lend a hand in this and help this kid get some ripoffrevenge.

We both know what a "high" it is to make these leaches our b***h, and even if he manages to get a little "bad credit"  he's still young and believe me he will be laughing later!

If this c*** doesn't comply and take some action soon, I may be posting some of my own "ripoffrevenge" suggestions.

Oh yeah, they transferred me when I asked for Ms. Guler (thats with an "L",- typo earlier) so I think I was on target with that one.

Its time to pay the piper baby!






 
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#8 Consumer Comment

A polite comment

AUTHOR: patti - (United States of America)

I just want to respectfully make a reply to one of Steve's comments:

I love this one! Newsflash for you! Wealthy, successful people would NEVER put any money in a bank savings account! It simply doesn't happen. People with money, and overall success INVEST their money in stock portfolios, real estate, and business ventures, etc. They NEVER put so much as a dime in a bank savings account. You are a loser, and obviously just a kid. You "moved away for a bit"? This probably means you were in jail!

People that are nearing retirement age generally seek safer investments than stock, real estate and business ventures.  I am 52 years old and have planned very well for retirement.  I do have a small stock portfolio, but the majority of my money is in money market accounts and CD's.  I also own my home free and clear, have no credit card balances, and no term debt.  I am 100% debt free and am in the best position possible for retirement.  Younger folks are able to take more risk, but, people's risk appetite decreases with age (as it should.)

I would also like to disclose that I have been in banking for 30 years and currently work for a mojor international banking institution.  I agree with Steve that most people that whine about banking fees are mis-informed.
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#9 Consumer Comment

TO "mr rik"

AUTHOR: Lawrence - (USA)

YOU ARE A VILE, BOTTOM FEEDING SUB-HUMAN.
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#10 Consumer Suggestion

Welcome back Steve!

AUTHOR: mr. rik - (United States of America)

I was afraid you wouldnt come back after I discredited you (ie, smacked you down) like that, thats why I threw out that "sucker trap"!

Anyways glad you made it back, I needed to follow up with you on some things!

After taking the time to read through your jibberish, I thought I would respond to ya on a couple issues:


"You are a loser, and obviously just a kid. You "moved away for a bit"? This probably means you were in jail!"-

No Steve, it's called school, but I understand you not getting that.

"Newsflash for you! Wealthy, successful people would NEVER put any money in a bank savings account! It simply doesn't happen. People with money, and overall success INVEST their money in stock portfolios, real estate, and business ventures, etc. They NEVER put so much as a dime in a bank savings account."

Stock and real estate? Really Steve?  I bet alot of people that lost their a*s feel real smart right now eh?  You should be an advisor!

Now to the REAL issue.

It seems this c**t has taken half the day off to avoid any ?'s about this poor guys situation.  What a loser.  Hiding from responsibility is never the answer!

Im gonna be trying again shortly.  In the meantime I did locate an 800#, (888)248-6423. They can patch you through to the branch.

A quick check of the net and it seems her surname could be Kelli Lynn Guter, 34, living in Washington, Michigan, if this is correct information. Relatives are listed too.

Oh yeah Steve, how did you accumulate such a mass of wealth driving that forklift for Tropicana?
And you still "walked away" from it!



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#11 Consumer Comment

Chase Bank has absolutely nothing to do with this thread

AUTHOR: Steve - (USA)

"Mr. Rik",



Chase Bank has absolutely nothing to do with anything here.

Why would you keep throwing in irrelevent information?



And, just to set the record straight, I am not a "bank lover" as you put it, nor have I ever worked for a bank.



Also let me correct you in regards to my $170,000 worth of debt that I walked away from.

It may sound like alot of money to a loser like you, but it's not. I was making a minimum of $4k/mo in the off season, with my average being abot $7k/mo, and up to $15k/mo in season.



Now, let me clarify that I had never even had a late payment in 14 years and I had a 735 credit score.

That wipes out your theory.



I was totally responsible in meeting my obligations for 14 years prior to walking away.

'I was never late.

I had good credit.

And, I had over $35k in my checking account at the time.



I simply walked away because of the escalating greed of these companies regarding interest rates and fees, etc, and decided not to put up with it anymore. I called each bank to see if we could rectify the problem, and got a "take it or leave it" attitude from each. So, given those 2 choices, I left it.



Real simple, even for an idiot like you.



As far as me posting in regards to banking "rip offs", the MAJORITY of those are a result of people being too stupid and/or lazy to maintain an accurate checkbook register. Fact.



To the OP, you really should have specified as to what type of bank account you were referring to in your original post. If we had known it was a savings account, that would have helped.





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#12 Consumer Suggestion

Whenever you see CHASE, you should run the other way FAST!

AUTHOR: mr. rik - (United States of America)

I just typed in "chase" here and a quick 1835 reports came up. Hmm?  Thats not even counting the many many people whove been ripped off and have never even heard of this website and/or not filed a report.  What does that tell ya?

We knew you werent overdrafting your acct (at least I did), I was referring to Steveboy who makes it a personal mission to jump in on every bank ripoffreport filed and scream that the ripoffee shouldve kept a better register and not overdrawn his acct.  Yet he has no problems reneging on $170,000 worth of credit card debt.  He needs to see the big picture!

I will be calling this b***h tomorrow and encouraging others to do the same.  I only wish you couldve found an 800#, that makes it funner.  Oh well I'm sure theres lots of #'s out there to chase corporate.

Any other of you bank lovers wanna come get some?
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#13 Consumer Comment

Not Your Work's Responsibility

AUTHOR: Jim - (U.S.A.)

Randy, the responsibility of setting up direct deposit is on you - not your workplace.  You are supposed to ask to get Direct Deposit implemented, and then you fill out the form you give them.  If you don't setup direct deposit, why is it the bank's fault you didn't get the $100??  You can't blame a bank for your irresponsible act of not setting up direct deposit.  Now if your workplace doesn't have direct deposit, you should have never opened the account to begin with.

As bad as banks can be, this is not a bank's fault....  On the other hand, most people lose money to banks through their own inability to understand why banks take money from them.
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#14 Consumer Comment

So

AUTHOR: Robert - (U.S.A.)

What you are FINALLY saying is that your employer screwed up and didn't do the direct deposit like they were supposed to.  So please tell us exactly how this is the bank's fault?

I have a feeling that as more of the story comes out it would probably be seen that you had plenty of time to do something to avoid this.  But probably didn't because you were not paying attention to your account.

So a few questions.  Why did your work never set up the direct deposit?  How much did you open the account with?  How much time went by between the time you opened the account and these "inactivity" fees started.  Then also just to confirm had you EVER used the account.
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#15 Author of original report

INACTIVE ACCOUNT MEANS NOT MAKING TRANSACTIONS

AUTHOR: Randy - (United States of America)

I  was lured in for the free $100  i opened the account with a small deposit. work never did  setup my  paycheck direct depost which would  have made the $100 happen   .There is no overdraft fees   I know it is unbelievable  $12.50 a day (yes i said aday)  inactive account fee  the banks number is (586)716-5074 bank manager Kelli Arvant feel free to call ask about my $12.50 aday charge for an inactive account and how they are going to screw my credit report. A credit  report i do not even have yet  . I am 21 years old and work part time at a large home improvement store.
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#16 Consumer Suggestion

Touchy ego there Steve????

AUTHOR: mr. rik - (United States of America)

It appears Stevie has the "short man's syndrome" over his $170,000 credit card debt, so he tries to take it out on people who bounce a check.  Or dont, (sorry Steve, don't) use punctuation.

Pathetic!
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#17 Consumer Comment

"Mr. Rik" needs a reality check, "Buy and sell me"?? Yeah OK

AUTHOR: Steve - (USA)

Well, "Mr. Rik", you are living in a delusional state.

Here is some reality for you.

I would bet money that you are some punk kid without a pot to piss in.

You appear to be a "wanna-be"- "gangster" by the way you write.





>>"Mr. Rik" posted the following nonsense:

Friday, April 01, 2011POSTED: Friday, April 01, 2011

"My credit rates are low, my insurance is dirt cheap, and I could buy and sell you"!

Really? You can "buy and sell me"? What a laugh! See below to see how I know this is BS.



"Just caz I can get away with it shouldnt make you so jealous.  This is the free market right"?

Just the fact that you would use a "word" like "caz" tells me you are a wanna be "gangster". No educated adult person would ever write like that. And, you didn't get away with anything.



"You say you learned the hard way- maybe you shouldve grown up and not been such a deadbeat"!

"Learned the hard way" was a statement about growing up in general. You need to do the same. I was 22 years old when I figured this game out.



"And banks ARE RIPOFFS!  Bank of America screwed me on a SAVINGS- got that, SAVINGS acct awhile back just because I moved away for a bit and left the acct open.  You would think that your money WOULD BE SAFE IN A SAVINGS ACCT!  But nope like I said, the greed doesnt end".

I love this one! Newsflash for you! Wealthy, successful people would NEVER put any money in a bank savings account! It simply doesn't happen. People with money, and overall success INVEST their money in stock portfolios, real estate, and business ventures, etc. They NEVER put so much as a dime in a bank savings account. You are a loser, and obviously just a kid. You "moved away for a bit"? This probably means you were in jail!



"Just had to open an acct again and screw em over.  When will they ever learn"!

REALLY? Once you "screw over" a bank, you CANNOT ever open up any account with that bank. AND if you do manage to get it done. they can offset your account for the amount you "screwed them over" for in the past.



"Banks- They use your money for evil, and charge you for the pleasure"!  

Really? None of my bank accounts charge me anything!

No fees of any kind, and one of them pays me 4.5% on my CHECKING account! 

(That should tell you what my balance is).



>>
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#18 Consumer Comment

You go mr. rik!

AUTHOR: Damian - (United States of America)

The banks are the criminals and they need to be burned like they have done to every single American.
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#19 Consumer Suggestion

Predatory!

AUTHOR: mr. rik - (United States of America)

So thats how all these scummy banks make money on these "money to open acct offers". pathetic.  Even  more reason to ignore it.  They were "sharking".  In reality they should be paying you bigtime for this inconvienience.  If you hurry, you may still have time to run some charges through and make a profit on this!
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#20 Consumer Comment

OK. So Why Didn't The $100 Go Through?

AUTHOR: Jim - (U.S.A.)

What were the terms that would allow the bank to put the $100 into the account?  Didn't you have to add money to the account??  No bank is simply going to give you $100 without having money also going into the account by the account holder??  That's what is making the account inactive.

Time to negotiate...
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#21 Consumer Suggestion

To Randy

AUTHOR: mr. rik - (United States of America)

Those OVERDRAFT fees sure are going through though aren't they?

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#22 Consumer Suggestion

Super Shill!

AUTHOR: mr. rik - (United States of America)

Save the world, Coast!
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#23 Consumer Comment

Clean up your act mr. rik

AUTHOR: coast - (USA)

mr. rik is a dishonest person. In addition to cheating banks he has recently recommended shoplifting and property damage. You're correct Steve; he has paid for it in higher insurance and interest rates. He claims he has cheap insurance so apparently he has no assets to protect. No mr. rik, the banks are not at fault for the recession. The borrowers that failed to pay back their loans are to blame.
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#24 Author of original report

How this happend

AUTHOR: Randy - (United States of America)

    I opened up this account because Flagstar Bank was offering $100.00 to open up a new account. The $100.00 never went through. Now i am getting inactive fee's.

Flagstar Corporate Headquarters told me they will charge me $12.50 a day for 55 days then it will go to collection for $687.00. I should have read the fine print.
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#25 Consumer Suggestion

Been doin it for years Steve!

AUTHOR: mr. rik - (United States of America)

My credit rates are low, my insurance is dirt cheap, and I could buy and sell you!

Just caz I can get away with it shouldnt make you so jealous.  This is the free market right?

You say you learned the hard way- maybe you shouldve grown up and not been such a deadbeat!

And banks ARE RIPOFFS!  Bank of America screwed me on a SAVINGS- got that, SAVINGS acct awhile back just because I moved away for a bit and left the acct open.  You would think that your money WOULD BE SAFE IN A SAVINGS ACCT!  But nope like I said, the greed doesnt end.

Just had to open an acct again and screw em over.  When will they ever learn!

Banks- They use your money for evil, and charge you for the pleasure!
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#26 Consumer Comment

"Mr Rik" must be really young and immature... with bad ideas

AUTHOR: Steve - (USA)

Mr Rik is in for a huge suprise with that attitude!

Every time you think you have "screwed over" a bank, you will have to pay a price eventually. I know this from past experience.

Every time you screw a bank, they put you in collections. Then the derogatory entries stay with you for 7 years.

So, the credit will NOT "just keep comin" as you put it. It will for a while at super high rates. Then it will stop altogether.

And, you will never be able to buy a house, or get some jobs, or get a security clearance with those open collections on your credit reports. And, you car insurance rates are based on credit too, so you will pay more for your car insurance as well.

Just the fact that you would keep having problems with banks tells me that you are very young and/or immature, and not very smart. You are probably one of those idiots who doesn't keep an accurate checkbook register, then screams foul when hit with NSF fees.

As for the OP, you should learn the difference between an "inactive" account, and an "overdrawn" account that has been closed or restricted by the bank.

I doubt very seriously that any bank would charge a $12.50 per day "inactive" account fee.
Per month, MAYBE, but NOT per day.

Grow up and learn how to manage your account and you won't have these problems.
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#27 Consumer Suggestion

Relax

AUTHOR: mr. rik - (United States of America)

Dont give em squat.  Banks just came up with this because theyre really not happy at all unless theyre getting some kind of fees.

Scum of the earth, and reason for the recession.  Tell them to take a hike and dont worry about your credit report.  As Ive said before and I'll say many, many times on this thread- Ive screwed over MANY a bank! And my credit just keeps comin!
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#28 Consumer Comment

How Long Has The Account Been Overdrawn??

AUTHOR: Jim - (U.S.A.)

There is no reason for a bank to charge a daily fee like that unless you overdrafted the bank account.  My suggestion would be to pay the balance and close the account and ask them to waive some of the fees in consideration.  The bank is within its right to report you to all 3 credit agencies so don't take the manager's threat as anything other than a promise.
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