BANK OF AMERICA Wrote BOGUS ACH check without permission and withdraw fund from my checking account (Crooks), Internet

I forgot to mention it was FIA card services writing a check to themselves and authorizing it under my old company name. I think they were doing a test to see if they could drain my personal account with a small amount of money and then a bigger name if there was no dispute. There was no mistake here, trust me.

From your report I can think of two possible causes for the ACH transaction.

1) Their was a mistake in processing and your account number was used instead of the correct account, i.e. transposing numbers like hitting 31 instead of 13. When the ACH was processed did it process under your name or some one else's?

2) Theft of account information. If the transaction was processed under your name then someone has stolen your account information (routing number & account number). It probably was not BOA but whoever initiated the transaction and told BOA to use your information. If this is the case I would recommend you contact your bank and report this. They should assist you closing your current account and opening a new account for you. Hope this helps.

My banker reversed it without having to file the "E" form. None the less, how do they get away with this crap?

..walk in to the bank...and "firmly" but politely request a "Federal Regulation E dispute form".

If they will not comply, get back and we will advise your next course of action.