WOODFOREST NATIONAL BANK MCPS, BANK CARD CENTER,MERCHANT FOUNDRY -ACH TRANSACTIONSMS. JOHNSON Lying, Fraudulent Thieves using very intimidating manipulative tactics to cover their illegal practices to outright steal through fabricated records of debt. WOODLANDS Texas

I made a mistake overcharging a clients credit card, i immdiately cancelled the charge but it didn't go through that night and i had to refund it several times which took a weeek to pull  out of my bank account. they did not credit it back to my client 's account   untill she made a charge back reporting the charge back.  45 days  later.

 Unaware that she had nt been paid back I closed my account 15 days before the  charge back was made.  they tried to take the $4200 out of myy account a second time claiming I had commited fraud.  my bank  alerted   me of their attemps to take the money out of my account but i did a stop payment.  this when the threats and intimidation became very vocal and threatening.

They informed  me that i lost the charge back case because i didn't reply in writting in a timely manner and  there was nthng i could do about it but shut up and pay!  

I got right back in thier face that it would be impossible to have chrge back because theey had the ereecords proving  my cllaim as well as m y bank.  they screwed up tbecause they acknowledged that i had made a refund. But  that did not stop them from trying 3 more attempts to get into my bank account.  each attempt more threating and demoralizing accusing me fraud and illegaly steaing from them. 

what was $4200 became a total of $12600  that they claimed to have deposited into my account with threats to cause serious ram ifications to my credit scores, reeporting the  $12600 as income to the IRS and my credit cards begain to decrease my availablee balancees.  one chase credit card from $24000 to $5000 because of high debt ratio, but i have never beeen late on a payment.  

Of course mS Johnson would never be in for my calls and I wuld bee passeed from   departmenet to department often 30 minutes or  more  waiting on hold.  They would never return my calls and i refused toleave a meessage.  they would pass m e from person to person and i would question them the  way they did me.  that is hw i found out they had the ereturned money in their records and amitting their was some problem with the deposits and demanding to talk with bank manager whho was neveer in either.

I  believe they do this intentionally and some class action needs to be brought to light because there is noregulation to their industrry.  m any people end up paying the fees.  i heard an enlightening expose on NPR news fo these credit processing scams.