im freakin out!!

[dragon47]

What is the name of your state? ny

my bank froze my account due to nsfs. ok, i asked them to close my account ...i had been victim to a couple scams which involved my account info. the bank said i could not close my account with a negative balance but not to worry!!!, no more checks would come through. only deposits. sooo...i took out a small loan...deposited 1000.00 in my account to cover 970.00 negative balance. the bank assured me they would keep my account frozen till my direct deposit paycheck came through and then i would close out the account. well... i checked my balance the next day and it is - 750.80!!!!!!!!! with 15 nsf fees in the last 3 days! can a bank charge nsf fees on a frozen account? and what if it wasnt frozen when they said it was??? help!!!

 

[I AM ALWAYS LIABLE]

What is the name of your state? ny

my bank froze my account due to nsfs. ok, i asked them to close my account ...i had been victim to a couple scams which involved my account info. the bank said i could not close my account with a negative balance but not to worry!!!, no more checks would come through. only deposits. sooo...i took out a small loan...deposited 1000.00 in my account to cover 970.00 negative balance. the bank assured me they would keep my account frozen till my direct deposit paycheck came through and then i would close out the account. well... i checked my balance the next day and it is - 750.80!!!!!!!!! with 15 nsf fees in the last 3 days! can a bank charge nsf fees on a frozen account? and what if it wasnt frozen when they said it was??? help!!!

My response:

What the hell did you think was going to happen when you write rubber checks all over town?

You can't be this stupid, can you?

IAAL

 

[I AM ALWAYS LIABLE]

"Freakin' Out" by Billy IAAL Joel

Anthony works in the grocery store
Saving his pennies for someday.
Momma Leoni left a note on the door.
She said, "Sonny, move out to the country.
Working too hard can give you a heart attack, ack, ack, ack;
You oughtta know by now.
Who need a house out in Hackensack?
Is that all you get for your money?"
It seems such a waste of time.
0If that's what it's all about...
Momma, if that's movin' up, than I'm freakin' out!

Sergeant O'Leary is walking the beat.
At night, he becomes a bartender.
He works at Mr. Cacciatorre's down on Sullivant Street,
Across from the medical center,
And he's trading in his Chevy for a Cadillac, lac, lac, lac;
You oughtta know by now!
If he can't drive with a broken back,
At least he can polish the fenders.
And it seems such a waste of time,
If that's what it's all about...
Momma, if that's movin' up, than I'm freakin' out.

You should never argue with a crazy man ma ma ma;
You oughtta know by now!
You can pay Uncle Sam with the overtime
Is that all you get for your money?
And if that's what you had in mind
yeah if that's what you're all about..
Good luck movin' up, cause I'm freakin' out!

 

[Veronica1228]

What is the name of your state? ny

my bank froze my account due to nsfs. ok, i asked them to close my account ...i had been victim to a couple scams which involved my account info. the bank said i could not close my account with a negative balance but not to worry!!!, no more checks would come through. only deposits. sooo...i took out a small loan...deposited 1000.00 in my account to cover 970.00 negative balance. the bank assured me they would keep my account frozen till my direct deposit paycheck came through and then i would close out the account. well... i checked my balance the next day and it is - 750.80!!!!!!!!! with 15 nsf fees in the last 3 days! can a bank charge nsf fees on a frozen account? and what if it wasnt frozen when they said it was??? help!!!

I am going to try my best to interpret what you are saying. Your bank "froze" your account? Is this the term they used? I doubt it because we don't use that term in banking. Is it possible that what they actually meant was that they were not going to pay any of your checks if there were no funds in the account? If this is the case, then it wasn't actually "frozen," they just weren't going to pay them when they did come in. Even when your bank doesn't pay them, you are still subject to NSF fees. And yes, a bank can charge you. Read your disclosures.

 

[Veronica1228]

"Freakin' Out" by Billy IAAL Joel

Anthony works in the grocery store
Saving his pennies for someday.
Momma Leoni left a note on the door.
She said, "Sonny, move out to the country.
Working too hard can give you a heart attack, ack, ack, ack;
You oughtta know by now.
Who need a house out in Hackensack?
Is that all you get for your money?"
It seems such a waste of time.
0If that's what it's all about...
Momma, if that's movin' up, than I'm freakin' out!

Sergeant O'Leary is walking the beat.
At night, he becomes a bartender.
He works at Mr. Cacciatorre's down on Sullivant Street,
Across from the medical center,
And he's trading in his Chevy for a Cadillac, lac, lac, lac;
You oughtta know by now!
If he can't drive with a broken back,
At least he can polish the fenders.
And it seems such a waste of time,
If that's what it's all about...
Momma, if that's movin' up, than I'm freakin' out.

You should never argue with a crazy man ma ma ma;
You oughtta know by now!
You can pay Uncle Sam with the overtime
Is that all you get for your money?
And if that's what you had in mind
yeah if that's what you're all about..
Good luck movin' up, cause I'm freakin' out!

Why change up a Billy Joel song when you could have quoted Chic?

Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!

Have you heard about the new dance craze?
Listen to us, I'm sure you'll be amazed
Big fun to be had by everyone
It's up to you, It surely can be done
Young and old are doing it, I'm told
Just one try, and you too will be sold
It's called Le Freak! They're doing it night and day
Allow us, we'll show you the way

Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!

All that pressure got you down
Has your head spinning all around
Feel the rhythm, check the ride
Come on along and have a real good time
Like the days of stopping at the Savoy
Now we freak, oh what a joy
Just come on down, two fifty four
Find a spot out on the floor

Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!

Now Freak!
I said Freak!
Now Freak!

All that pressure got you down
Has your head spinning all around
Feel the rhythm, check the ride
Come on along and have a real good time
Like the days of stopping at the Savoy
Now we freak, oh what a joy
Just come on down, two fifty four
Find a spot out on the floor

Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!
Aaahh Freak out!
Le Freak, C'est Chic
Freak out!

 

[PsykoKat]

It happened to me

My Bank, Wells Fargo, did the same thing to me. I wanted to close my account immediately because I had found out that a company had the routing and account numbers and I called and asked them to close my acct immediately. They recommended I just wait until all the checks I had written went through, then close the account later and tried to convince me not to worry that this company had my #s. So, I took out all the money except what I knew I had spent. I waited for those checks to go through, and by the time they had, another transaction had gone through from this company that I had wanted to prevent in the first place. I had to pay NSF fees and all that before they would close the account. It took a week and a half total and ended up only costing me about $250, but it still sucks.

 

[Heather2]

What is the name of your state? ny

my bank froze my account due to nsfs. ok, i asked them to close my account ...i had been victim to a couple scams which involved my account info. the bank said i could not close my account with a negative balance but not to worry!!!, no more checks would come through. only deposits. sooo...i took out a small loan...deposited 1000.00 in my account to cover 970.00 negative balance. the bank assured me they would keep my account frozen till my direct deposit paycheck came through and then i would close out the account. well... i checked my balance the next day and it is - 750.80!!!!!!!!! with 15 nsf fees in the last 3 days! can a bank charge nsf fees on a frozen account? and what if it wasnt frozen when they said it was??? help!!!

Although they aren't required to do so, you should try talking to them VERY POLITELY about your situation and they may reverse some of the nsf fees. I got out of a lot of fees by just being polite. Try it and let me know what happens.

 

[dragon47]

Although they aren't required to do so, you should try talking to them VERY POLITELY about your situation and they may reverse some of the nsf fees. I got out of a lot of fees by just being polite. Try it and let me know what happens.

ty, i did and i will again on monday. its just very frustrating when u r told that there will be no more debits out of your account and there are. ....like 800.00 in nsfs. unreal;!!

 

[dragon47]

My response:

What the hell did you think was going to happen when you write rubber checks all over town?

You can't be this stupid, can you?

IAAL

ty soooo much for your advice, however did u not see the word SCAMS , i was not writing rubber checks all over town. correct me if i am wrong [ im sure u will] but doesnt a financial institution , legally need to restrict activity on your account if u report fraudulent activity???? and if they tell me that my account has been restricted so that it will not be debited anymore shouldnt they honor that???? ps. glad u r not my lawyer

 

[Veronica1228]

ty soooo much for your advice, however did u not see the word SCAMS , i was not writing rubber checks all over town. correct me if i am wrong [ im sure u will] but doesnt a financial institution , legally need to restrict activity on your account if u report fraudulent activity???? and if they tell me that my account has been restricted so that it will not be debited anymore shouldnt they honor that???? ps. glad u r not my lawyer

More information on these "scams" is needed. Were the items that came in after you made your deposit fraudulent, or were they valid items? What other action did your bank ask you to take? Have you filed a police report? Did you fill out an affi? Please provide more info so that we can answer your questions.

 

[Heather2]

ty, i did and i will again on monday. its just very frustrating when u r told that there will be no more debits out of your account and there are. ....like 800.00 in nsfs. unreal;!!

I have had that happen too, uncluding fraudulent activity. Maybe my bank is nicer but I have also screwed things up on my own and they still worked with me and reversed most nsf fee's. And if I could not pay for a negative balance, they put me into a repayment plan where I paid it off in installments. I truley understand your anger but being mad won't fix this. Listen to Veronica because she seems to know stuff about banks.

...... and ignore IAAL, he never has anything helpful to say.
Take care dragon.

 

[dragon47]

ty tyson...i know it doesnt help to be angry and i am trying reeeeaallly hard to be nice. just sucks that i have to wait the weekend until monday. it just doesnt seem right. i mean, they say...welll so and so should never have told u that your account wouldnt be debited. well, ok....but they did!! im a nurse....if i give you the wrong medication is it your fault for not asking what i was giving?? what ever happened to the customer being right...lol o well....thnx for the support , dragon,

 

[Heather2]

ty tyson...i know it doesnt help to be angry and i am trying reeeeaallly hard to be nice. just sucks that i have to wait the weekend until monday. it just doesnt seem right. i mean, they say...welll so and so should never have told u that your account wouldnt be debited. well, ok....but they did!! im a nurse....if i give you the wrong medication is it your fault for not asking what i was giving?? what ever happened to the customer being right...lol o well....thnx for the support , dragon,

Some banks are open in the a.m. on Saturday's. Check with yours and you might try talking to them in person, it's more personal. I once went to my bank because I had a bunch a nsf fee's. Now maybe I just know what to say but I got all (I think it was 6) nsf fees reversed and they were put back into my account by the next business day. However, when I call on the phone I can only get them to refund 3/4 of them. I wish ya luck and post back when you talk to them again.

 

[Veronica1228]

............Listen to Veronica because she seems to know stuff about banks.

......

Thanks for the vote of confidence, but apparently the Dragon Freak doesn't really want advice or she would answer my questions. I am a Banking Officer for one of the largest banks in the country, and have been in the industry for over 10 years. I might have been able to help, but I'm not going to waste my breath anymore.


Good luck to you in the poor house Dragon Freak!!!

 

[lissalu]

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