Assaulted, Wallet Stolen, Credit Cards Ran Up

[mj76]

As a side note, to my surprise, I also today found a website of many other people who have had the same experience as I have dealing with BofA's fraud dispute resolution depertment.

 

Apparently by reading the boards there all day about any topic related to mine, this is their normal way of handling fraud claims. I guess since they deny most honest people's legitimate fraud claims, now I dont feel so excluded. Check (www.[thatbankimreferringto]sucks).com and read some of the stories there concerning numerous other's legit fraud claims which were all denied.

 

Apparently the customer is always put through the ringer on fraud claims with BofA so I dont feel so excluded anymore.

Edited June 14, 2010 by mj76

[beli]

Include your police report even if you don't like how it's written up. I also wouldn't include the whole handwriting analysis thing,, even if you are doing it. Just keep the letter on-point.. sounds like you're rambling a bit. Specially with the handwriting analysis etc.

Edited June 14, 2010 by beli

[mj76]

Include your police report even if you don't like how it's written up. I also wouldn't include the whole handwriting analysis thing,, even if you are doing it. Just keep the letter on-point.. sounds like you're rambling a bit. Specially with the handwriting analysis etc.

 

Ok, I understand your point about the rambling, and when I re-read it It seemed rambling in some parts also. The only reason I wanted to include something about the handwriting analysis is because that is what is making or breaking my case at this point unfortunately. I don't think it should have ever come down to that, but it is the last thing i am relying on now, which is my best avenue to prove this wasn't me now. My thinking is that they know that im willing to foot the bill to get an expert's opinion in official writing against their pencil pushing so called fraud investigators opinion about my sig. And if they know anything about the competance of their fraud divisionthen they will probably assume that I will be in the right and their grunts in the wrong, and hopefiully resolve things without having to bring in all these forensic evidence.

[mj76]

I am skeptical a generic letter to the presidents office will solve or even help any.

 

Why would you ever write a generic letter to the presidents office let alone a generic letter for a situation like this? Your story and this amount of money will get his attention one way or another.

I completely missed a "generic" letter.. sigh... as crazy said... why in the bloody world would you send a generic letter in a situation like this? It just boggles my mind the amount of time wasting, not to mention the whole "What good will it do" attitude.. is beyond my comprehension. if what happened to you, happened to me I would've had a letter, along with police reports to the president the DAY I got the refusal to accept fraud charges.

 

I've spent enough energy on this, if you don't want to do what you need to do, then no amount of typing or anything from any of us is going to convince you to do anything.

 

All I have to say I hope like hell they don't try and file a lawsuit to recover those bounced checks because they will, and it could be considered a felony given the amount.

 

 

I didn't mean to refer to a "generic letter" as how I would send it to them. I meant that I feel that most upper-management staff from BofA that recieves lots of legitimate consumer complaints will percieve any correspondance as "A generic complaint" If anyone thinks one of their letters addressed to bank of america's president that another 2 million people are already emailing wont be considered "generic" are kidding themselves and acting counter-productively in my opinion.

 

I most certainly will make all of my personal issues known as far as the claim goes, but what I meant is that THEY will (most likely) percieve this as a "generic complaint" in the grand scheme of things. Sorry for my unconventional way of stating facts here! I really am trying to be as clear and precise as I can.

Edited June 14, 2010 by mj76

[beli]

Include your police report even if you don't like how it's written up. I also wouldn't include the whole handwriting analysis thing,, even if you are doing it. Just keep the letter on-point.. sounds like you're rambling a bit. Specially with the handwriting analysis etc.

 

Ok, I understand your point about the rambling, and when I re-read it It seemed rambling in some parts also. The only reason I wanted to include something about the handwriting analysis is because that is what is making or breaking my case at this point unfortunately. I don't think it should have ever come down to that, but it is the last thing i am relying on now, which is my best avenue to prove this wasn't me now. My thinking is that they know that im willing to foot the bill to get an expert's opinion in official writing against their pencil pushing so called fraud investigators opinion about my sig. And if they know anything about the competance of their fraud divisionthen they will probably assume that I will be in the right and their grunts in the wrong, and hopefiully resolve things without having to bring in all these forensic evidence.

They will NOT assume you are in the right, in fact for every one hand writing analysis that says it's not yours there's probably two that could say that it's yours. Which is why I said scratch it. At least at this point, if you end up suing Bofa over this then yes, you would be able to bring that in. Right now you are just appealing their decision. Keep it short, keep it on-point. Nix the hand writing analysis and you should be good to go.

 

Hand writing analysis is a very subjective field.

Edited June 14, 2010 by beli

[hegemony]

update?

 

http://consumerist.com/2010/06/bank-of-ame...-own-money.html

[Elizabeth_Speaking]

Seems the readers who posted in the Comments section sense there's "something else" going on, too. I kept scanning for the mention of being mugged and beaten, but didn't see it. Did *I* miss something?

[higher180]

I never had a good feeling about this anyway. Somethings just didn't add up. the comments on the blog has just renforced those feelings on this subject. If I am wrong, I do hope OP is able to get this resolved quickly.

Edited June 23, 2010 by higher180

[crazymonkeycat]

This story has had several thousand views over at creditboards.com, and I was very surprised due to their knowledgable memberbase, that most of them weren't even aware of how easy this situation can happen, or what to necessarily do about it.

 

Ouch. Way to just stick that in there, right? Do you HONESTLY feel you haven't received good advice here? Just because it wasn't followed doesn't mean the members here didn't know what "to necessarily do about it".

 

Did you ever end up putting it in writing? Well, to BofA that is? I don't think they'll consider posting this story to various sites a document trail.

[bostonte]

The Consumerist article says it's over 3 different casinos.

 

So now we're to believe not only did the thief fool (or have someone on the inside) at one casino, but at three?

[centex]

This story has had several thousand views over at creditboards.com, and I was very surprised due to their knowledgable memberbase, that most of them weren't even aware of how easy this situation can happen, or what to necessarily do about it.

 

Ouch. Way to just stick that in there, right? Do you HONESTLY feel you haven't received good advice here? Just because it wasn't followed doesn't mean the members here didn't know what "to necessarily do about it".

 

Did you ever end up putting it in writing? Well, to BofA that is? I don't think they'll consider posting this story to various sites a document trail.

 

That quoted comment just leads me to believe that they wanted to have someone hold their hand or do the work for them...I view it instead as proof that you can lead a horse to the trough but you cannot force them to drink. OP had MORE than ample guidance in this thread as to WHAT to do and WHO to contact. They instead elected to ignore everything about reducing it to proper written form.

 

Wonder how their lawsuit is going...or how much it is going to cost upfront only to lose on the MSJ.

[kimberly77]

Seems the readers who posted in the Comments section sense there's "something else" going on, too. I kept scanning for the mention of being mugged and beaten, but didn't see it. Did *I* miss something?

The $11,000 was from the first mugging that happened in April according to the OP, The second time where he was beat to a bloody pulp and then mugged, with the figures he gave of over $10,000 at the casinos and over $6,000 at Wal-mart, restaurants etc. would have been over $16,000 at least. But there is definitely more to all of this then meets the eye, Its very possible that BofA, the Casinos and LE have been doing more then what they have told OP. I can't imagine that they would base their findings that there was no fraud involved based on one little signature especially with a police report involved.

[Cinn]

I'll bet a million bucks that this is just a gambling problem, made fuzzy by alcohol or drug abuse, in disguise.

[hegemony]

I forwarded this link to BOA executive offices.

[CTSoxFan]

I think this thread has run its course. OP has been given advice on what to do. Nothing else positive is going to come from debating the truth of the facts as presented.