im freakin out!!

[Veronica1228]

Whatever, Dr. Phil!

AZ I have just started to research my banking and credit card problems here on this site. I have to say that I have been very much discouraged by the petty picking and insulting of one another that goes on here. I came here hoping for help but am fearful of posting my problem for advice for fear of being insulted for my lack of knowledge. I get enough negative from the credit card company. Should we not instead patiently try to listen and help one another..Isn't that what this site is all about? getting help

This site is for getting legal advice, which can only be done if enough information is given by the OP. When the OP ignores the only expert that could have helped then he or she is an idiot, and we do not suffer idiots gladly on this site.

If you are looking for something "positive" try a Hello Kitty website. If you want FREE legal advice, then you are welcome to post here.

 

[Heather2]

AZ I have just started to research my banking and credit card problems here on this site. I have to say that I have been very much discouraged by the petty picking and insulting of one another that goes on here. I came here hoping for help but am fearful of posting my problem for advice for fear of being insulted for my lack of knowledge. I get enough negative from the credit card company. Should we not instead patiently try to listen and help one another..Isn't that what this site is all about? getting help

Don't be afraid to ask a question. Nobody knows who you are and what do you care if they say something rude? Just ignore them because they aren't worth your time then. I've been slaughtered many times but I still got much help and answers to my questions.

 

[dragon47]

i agree with you. i have never used this site before and was kind of shocked to be called dragon freak by you veronica, because i didnt answer your questions?? i was told by a teller at my bank that my account was frozen, and yes, she did say frozen, and nothing would be debited out of it. its not so much what a frozen or restricted account is, but what i was told as a customer, and assumed to be true. i have a very good job and am not headed for the poor house veronica, but would like my money back because i feel the bank was in error. thats all. sry i offended you ....did u really want to help?, or just show off all your banking knowledge

 

[meganproser]

"Your bank "froze" your account? Is this the term they used? I doubt it because we don't use that term in banking."

I believe the term “frozen account” is used all over the world. It is definitely used in Wisconsin !

Calm down Dragon, it sounds like someone neglected to change the status of your account to “frozen”. If the checks that came in were not your doing, the bank will reverse the fees. Based on what you have written, it’s their mess and they will clean it up.

Too bad we customers don’t get to charge banks for their mistakes isn’t it? MUCH stress is caused when a bank screws up but the customer doesn’t get to charge the bank for the time and trouble the bank has caused them.

 

[Veronica1228]

Dragon, because you are new, I'm going to apologize for my previous comments and try to help. Also being new, you can't know that you should always ignore Megan-poser on this site. She knows nothing about the law, and absolutely nothing about banking. Now that's out of the way.

I'm not surprised that a teller used the term "frozen." This is NOT a term that is used in banking by anyone with half a brain because it is misleading. Tellers are usually paid about $5 an hour, and you get what you pay for.

My questions have to do with the exact nature of the scams or fraud against your account. Since this it the activity that lead to your current situation, it would be helpful for me to know. I have dealt with about any situation you can think of in banking, and therefore, can most likely guide you in how to proceed. At the very least, I can try to explain the what, where, why and how of what happened.

If you are not interested in my assistance, than just say so. I just don't like to be ignored. Glen Close and I have a lot in common!!!

 

[dragon47]

veronica, i did not actually have anything fraudulent going on, however i had the risk of fraud due to the fact that people in cyberspace had my account info, so that is why i wanted my account blocked until i set up a new account....which i did, at another bank. when nsfs start being charged it is almost impossibl to get caught up because the same checks come in again and again, especially if you do not know this is occuring because you were told the account was blocked. like i said before, being a nurse, i know i am responsible for what i say and do...if i give a wrong med to someone it is not there fault for not asking me what i was giving....although that can be wise now days. i feel the bank screwed up. i will find out tomorrow what, if anything , they will do. thnx for the apology , dragon

 

[Veronica1228]

veronica, i did not actually have anything fraudulent going on, however i had the risk of fraud due to the fact that people in cyberspace had my account info, so that is why i wanted my account blocked until i set up a new account....which i did, at another bank. when nsfs start being charged it is almost impossibl to get caught up because the same checks come in again and again, especially if you do not know this is occuring because you were told the account was blocked. like i said before, being a nurse, i know i am responsible for what i say and do...if i give a wrong med to someone it is not there fault for not asking me what i was giving....although that can be wise now days. i feel the bank screwed up. i will find out tomorrow what, if anything , they will do. thnx for the apology , dragon

I'm a little confused because it seems as though you are now saying that there was no fraud on your account, but you wanted your account blocked because there could have been. Is this accurate? If so, then where did all of the nsfs come from? What actually transpired between you and the bank personal when you asked to have your account blocked? Did you give them a list of all valid items that can be honored? I realize that you want to hold the bank personnel accountable for giving bad information, and you should, but its possible that this situation is not what it appeared to be at first.

 

[meganproser]

Veronica wrote:

Also being new, you can't know that you should always ignore Megan-poser on this site. She knows nothing about the law, and absolutely nothing about banking.

How is it you claim to know such things about me Veronica? I don’t recall ever speaking with you before and I don’t think I’ve ever posted any info about banking either.

Just because I don’t ordinarily post in a forum, does not mean I lack knowledge in the area. You are a fool to be so presumptive about anyone or anything.

I am a Banking Officer for one of the largest banks in the country, and have been in the industry for over 10 years.

When the OP ignores the only expert that could have helped then he or she is an idiot, and we do not suffer idiots gladly on this site.

The “only expert” that could have helped? Are you referring to yourself? Dragon asked a simple question about checks bouncing on a frozen account. One need not be in “the industry” to answer such a simple question and apparently being “in the industry” does not guarantee that one knows even the most basic of “industry” terms.

I was trying to be nice to you when I corrected your idiotic statement that “freeze” is not a banking term. I don’t understand how you could have been NEAR a bank for ten whole years and not know that term. Please explain this statement:

I'm not surprised that a teller used the term "frozen." This is NOT a term that is used in banking by anyone with half a brain because it is misleading.

What is misleading about it? If only half brained people use it, can you explain the following:

Do a search on “freeze checking account fee” and you will come across many links to the BANKING TERM “Freeze”.

In anticipation that this instruction may prove too complicated for you, I’ve brought a few of the links here, along with the references found on the sites. For you, we will begin our lesson with a link to the DUMMY site :

http://www.dummies.com/WileyCDA/DummiesArticle/id-2582,subcat-PERSONAL.html
“If you do lose your blank checks, contact the bank immediately and have them freeze your account to cover outstanding checks written on the account. You may need to open a new account.”

From a bank in Texas: http://www.csbcarmine.com/fees.htm
In the bank's schedule of fees the following service is offered:
"Freeze" - Watch for signature or check number $15.00 per month

And another:

http://www.pnbnet.com/ibank/disclosure.html

(d) If the money in your account is subject to legal process, adverse claims, a freeze order, or other encumbrances restricting transfer.

And another:
https://www.apcu.com/site/info_youthfees.html
**Or such other rate as may be set by law. Fee applies to each legal order or process that directs APCU to freeze, attach or withhold funds or other property.

Tomorrow we’ll be moving on to a discussion of the term “float”...try to keep up.

 

[Veronica1228]

Megan, you may not know me, but I have seen your posts. I have also seen how may errors the senior members have had to clean up for you by giving bad advice. Stick to what you know. If you ever happen to find out what that is exactly, keep us all updated.

 

[dragon47]

meghan, thanx for the support, and i agree thta u dont have to be an expert in banking to give your advice on frozen accounts. evidently there are different levels of a account that is frozen, ie: deposits only, or direct debits only, etc. the bank should have been more specific with me as to what my account being frozen actually meant. i know in the medical feild we often, doctors especially, assume the patient knows what we are talking about only because it is second nature to us. i am not in any way a banking expert, but i do know that the bank can do very well without the money they collected in nsf fees from me..it would not be a loss for them to return that money to me. did i mention i was a member at this bank for 24 years???

 

[meganproser]

Dragon, you should be getting an answer from the bank Monday right? Please do let us know if they reversed the charges for you, etc. I can't believe they would refuse to reverse for such a long time customer, unless you have been a long time problem!

Veronica wrote to Megan: "I have also seen how may errors the senior members have had to clean up for you by giving bad advice."

Veronica, I know you are busy learning about banking terms, but when you get a chance, please provide an example of these "many errors" the senior members have "cleaned up" for me.

"This is NOT a term that is used in banking by anyone with half a brain because it is misleading."

It occurs to me that you must limit your associations to people who have only half a brain, as you mentioned above. You will need someone with a full brain to read my posts and check for any legal errors.

 

[Lindsay J]

Credit Card Problems

Sometimes I also get perturbed at some of the bantering I find here. If you will review my posts and threads ( Lindsay J.) you may be able to find some help from what I have found out in my dispute with my credit card co.
My posts / threads are under Consumer Law and Contracts. Then click on Banking & Credit Cards.
Good Luck!!!! Lindsay J.