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LikeItOrNot

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Everything posted by LikeItOrNot

  1. I used BOA Bill Pay to schedule a $150 payment to Chase (I had WaMubut since it merged..I changed my Billpay to pay Chase... ) . It's been days now where this $150 is deducted from my banking account but NOT credited to Chase. ** Chase does NOT have my banking account information. WaMuhad it but since the merge of the website, my account information is NOT there and I have to give it to them and I didn't. So there are NO payments being made through Chase.com Then I get an interesting automated email on Friday that says I deducted a check for $145. I NEVER authorized a check for $14
  2. To the people saying from a "business point of view"....... If Amex wanted to make money off of me, they should've gave me a higher CL. 1,000 was pathetic when I had cards over 10,000 and back then I had no "Debt".
  3. 1,000 Credit limit. Never got an increase Always paid in full each month.. No lates or anything. Hardly used it.... I had an automatic $10 gym membership charged to it ever month which also got paid every month. I did use it once recently for a $300 purchase. And again - I PAID THAT IN FULL. There is NEVER a balance on this card. Letter says because of my debt to income ratio and because I have "severe delinquencies" which really makes no sense whatsoever to me because I at least pay the min payment on things... So I guess I'll be pulling a report soon to see what the hell that
  4. I guess for carrying a 4,000 balance and only paying slightly above min ?
  5. having his own creidt card? The rewards are even pretty lame.
  6. Oh No!!!! I might go from 1,000 to 500!! As long as my monthly $10 gym membership fits on that sockdrawer card.. I'm set.
  7. I went to a new doctor who accepts both Medicare and Medicaid. I never have medical bills for things like that and I was under the impression it covered everything. I received a bill and I've called the number on it and I just keep getting voicemail. I've left messages and they still haven't returned any of my calls. There's nobody to talk to there, there's a main receptionist that just keeps transfering to the voice mail. So I've called the doctor's office, and they tell me they "don't know" and "can't do anything" an I have to call the billing company...who won't return my calls. I'
  8. lol. Geico was always like hundreds more everytime I called. It's more about companies and what city you live in than credit scores. Try calling around and NOT giving your ss# so they can't do a credit check.. and get the lowest possible price that way. Then let them do a credit check.
  9. I guess they found it. I guess I"m just lucky that the "cashed check" is the same amount as the deposited check and not a penny more. Pending CASHED CHECK HOLD ON 05/16 Debit Pending Called and asked about it to see what they say. AGAIN BOA is telling me that I did this because my name is on it, my account number and it looks as if I deposited it and withdrawled it. I'm still pissed off. So I guess now that they probably have my account number they still could easily make another "cashed check" withdrawl. And yeah, so much for my account being "frozen". I wanted it frozen
  10. All the time. But it's so hard to understand with the broken English. I do know I was promised WAY more than 1700 though. So much for millions.
  11. When I called the bank questioning this deposit. They actually tried to CONVINCE me that I must've overpaid on a bill somewhere and that's what this deposit is from. I wonder if that can work in my favor. "oops, well I use billpay all the time, so I assumed the CSR knew what she was talking about just like I would assume that a teller can't look up a name and allow someone to make a transaction without proper verification"
  12. But that's not what happened. It seems it was a clerical error. And when banks make mistakes, they're allowed to fix them. Just like the IRS -- if you get a tax overpayment, they're entitled to take it back too. Toopoor's scenario sounds dead-on to me. I wouldn't say Clerical Error. More like Teller not doing their job correctly and and looking up someone's account info without any sort of verification. I did some more digging. Come to find out the people's last name on that check (besides the academy)are also a popular name around here and the state the deposit was made. I
  13. But that's not what happened. It seems it was a clerical error. And when banks make mistakes, they're allowed to fix them. Just like the IRS -- if you get a tax overpayment, they're entitled to take it back too. Toopoor's scenario sounds dead-on to me. would you have closed the account in a panic or waited 24 hours to find out what happened? I probably woulda waited, although that's easy to say when i'm reading the events after they happen and have more information than the 'it's a scam' comments from the 'who called' lookup on the number. (the who called sites are becoming less usef
  14. Eh, even if someone deposited that money by mistake surely they could go back to the bank to trace it and it would end up getting withdrawled from me anyway. If you made a deposit to someone and they say they haven't received it, wouldn't you want to go to the bank to find out what was going on.. Yeah, but is the bank obligated to reverse the transaction. If I write someone's name on a check for an amount and sign my name, the check clears and is deposited, is there anyway to reverse the transaction? Not to my knowledge... I guess not. If you gave that money to me then changed y
  15. I think just like anything else - it depends on who the teller is. Just like sometimes stores check for signatures and sometimes they don't. The fact that they have a phone number I haven't used in about 2 years is proof enough for me that the info came from a teller.
  16. Eh, even if someone deposited that money by mistake surely they could go back to the bank to trace it and it would end up getting withdrawled from me anyway. If you made a deposit to someone and they say they haven't received it, wouldn't you want to go to the bank to find out what was going on..
  17. Thanks Digging, I'll also send a letter. And I didn't know that thing would automatically go to the new checking number... Maybe to play it safe I'll just stick with my savings account for a few months. All my credit card websites have the option of paying by withdrawing from a savings account anyway. That's one thing I love about BOA. The email notifications. Everyday it sends an email with my daily balance. Although, I had it set weekly so if I didn't log in today I wouldn't have caught it until Sunday. Although I usually log in a few times a week anyway. I've already changed my setting
  18. Yeah I'm doing that tomorrow. But what I'm worried about is what else they might've gotten on me or where else this can go. Could it just be a random thing?
  19. No, it's a school. I Google'd it. BOA gave me the address on the check and that and the name matches the school in FL. There were also other names on the check besides the school name. The only other thing I can come up with is if that deposit was intended for someone else with my name who also happens to have a BOA account . Maybe they got a stupid teller that had no problem looking up a person's name and address and making a deposit. But even that doesn't explain why the billing compnay is saying that it was a withdrawl, not a deposit.
  20. UPDATE. Had to call BOA back for the actual check number so the people on that 1877 number could look it up. They told me that they are PRINTERS and printed that check through BillPay service for that amount to PAY the "Academy". They're basically saying *I* Made that payment through a billpay service. Uh..NO. That amount of money was deposited into my checking account..Not withdrawled. And that lady I just spoke with was as confused as I am and told me to call my bank back. Hell with it, I'll wait until I go down there tomorrow. It's on hold, I don't have to worry about money d
  21. the filled out deposit slip with your information is the deal breaker. close the account asap. even if BofA is responsible for any loss (since you notified them), the hassle of dealing with it would be enormous..and even if they eventually returned any money fraudulently withdrawn, it might take a very very long time. You might also put a freeze on each of your credit reports. Do you have any idea where someone may have gotten your name/info? I would be super vigilant about all of your accounts for the next 3-6 months. Yeah, the account is on hold now. Nothing can move in or out
  22. Nope. Two quite different things. Anyone can put money INTO an account. I could send money to BOA to put it into your account (don't you wish!) if I either knew your name or if I gave an account number to deposit it to -- but I wouldn't then be able to take anything out again, not even the same amount I had deposited. Now, the difference is that the bank itself (BOA) can move money in or out of an account to correct a bank error. They have the deposit form, they have responsibility for the account, et cetera. That's a whole lot different than the rights or opportunity for someone OTHER than
  23. I already called BOA and they transfered me to the fruad deptand just put a "balance hold" so deposits or withdrawls cant be made and told me to go to the bank tomorow to freeze it or close it. The deposit was actually made INSIDE the bank. The check is computer written with my name on it from FL. The bank on the check is First Bank in Ohio. The only thing BOA could really tell me is to call that 877 number. I know what my bills are and there has been NONE for that amount or any for an overpayment. I think they must've went to a teller and had them look up my info. Because I can view
  24. Did that already.Still makes no sense. They have a copy of the check. Names and that877 phone number and never heard of this as a fraud and keep asking if im sure I dont know anyone in FL.
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