• Report: #427558
Complaint Review:

Bank Of America And ChexSystems

  • Submitted: Mon, February 23, 2009
  • Updated: Tue, February 24, 2009

  • Reported By:Culver City California
Bank Of America And ChexSystems
efunds.com/index.htm Internet U.S.A.
  • Phone:
  • Web:
  • Category: Banks

Bank Of America And ChexSystems Unfair Reporting to ChexSystem, Cruel Indifference Los Angeles California

*Consumer Comment: QUOTE: 'There are corporations listed on the stock exchange whose sole purpose.......

*Consumer Comment: FANNIE POEM

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I had two accounts with B of A. One joint account with my boyfriend (I know, dumb) and one personal account. When after six years, my boyfriend and I split up, I didn't bother closing the account and, what do you know, he decides to suddenly start writing bad checks with the joint account. This resulted in not only the closure of the joint account, but my personal account as well. Blindsided, I contacted B of A to find out what I could do to get my name cleared.

The risk management department at this particular bank is utterly awful. They kept accusing ME of writing the checks (checks that involved my boyfriend's other bank that I had nothing to do with) and refused to assist me in any way of clearing my name. I paid Bank of America every cent my ex-boyfriend cost them, to the tune of $1,300. They still would not open my account AND they reported me to chexsystems anyway.

A month later I entered the branch I always used to cash my payroll check. The teller refered me to a bank account manager who told me as long as I didn't owe a balance, I could open an account again! I was thrilled because the not having a bank turned my online bill-paying/ordering impossible. The guy opened up both a checking and savings, (without asking me so I could participate in "Keep the Change") handed me a temporary ATM card, walked me up to the ATM, watched me depost 800 dollars in my checking and 100 in my savings, then sent me on my way with a pat on the back. The next day I'm at the market and my card gets declined. It was a Saturday. I go the bank and am told Risk Management had closed my account and would be holding my funds for two weeks due to the negative chexsystem item. They would be of no assistance in helping me with my money. 18 days later, they send me the money and it's $120 short.

I called Risk Management and another excessively rude employee started by nearly refusing to explaint he missing money, only to finally, afther threat of having a lawyer contact the, informed me that each account had been charged a $60 "Investigation fee". This bank doesn't deserve a government bail out. They should be put out of business where they belong. I got a copy of my ChexSystems report and there is no notation whatsoever about my having paid the amount owed in full. Where is the oversight?

Culver City, California

This report was posted on Ripoff Report on 02/23/2009 01:54 PM and is a permanent record located here: http://www.ripoffreport.com/reports/bank-of-america-and-chexsystems/internet/bank-of-america-and-chexsystems-unfair-reporting-to-chexsystem-cruel-indifference-los-ang-427558. 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 Comment

QUOTE: 'There are corporations listed on the stock exchange whose sole purpose.......

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

is to line the pockets of the TOP executives with millions of dollars in cash.' - Harvard Business Professor, to his class in late 2004.

To read that quote, and OTHERS, simply 'Google' this- RIP OFF REPORT FUEL FREEDOM INTERNATIONAL MPG CAPS, and go to the 2001 Toyota Tacoma Ripoff Report, and then to the 'Update' entitled- 'Blame it on a Lawyer'

Mlynn, I agree with what you said in your Ripoff Report! Bank of America SHOULD be PUT OUT OF BUSINESS!!!

But guess what? We're - 'Only a pawn in their game.' - Dylan

Make sure to 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that documentary on the web.

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#2 Consumer Comment


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


Fannie Mae, Freddie Mac
Will your stock ever come back
No more 'black', you're in the 'RED'
Call Bernanke at the FED!

Oh my goodness, what the heck
Maybe he will write a check
Don't you cry, don't you pout
Big ole Ben will help you out.

Have some breakfast- LUCKY CHARMS
Stop adjusting all those ARM's
Someday soon, it won't be scary
A 'Little House on the Prairie'

This poem's over, more to come
Enjoy the summer, get some sun
See you soon, on the beach
Writing poems, FREEDOM OF SPEECH!!!


'FANNIE POEM' was posted last summer in the comments section under the BusinessWeek Article entitled- A CREDIT CARD YOU WANT TO TOSS (you can 'Google' it!). It's about 'Bank of America'.

Make sure to check Fannie Mae's & Freddie Mac's stock value today. Here are their symbols- FNM, & FRE. Look where they were 52 weeks ago compared to where they are today! Also check A.I.G.'s stock. Their symbol is- AIG

To prepare for the next poem please 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch Aaron Russo's documentary on the web for free!

Have a nice day.

QUOTE for the day- 'The Art Of Peace is medicine for a sick world. There is evil & disorder in the world because people have forgotten that all things emanate from one source. Return to that source and leave behind all self-centered thoughts, petty desires, & anger. Those who are possessed by nothing possess everything.' - Morihei Ueshiba, from his book entitled- 'The Art Of Peace'
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