I will be brief. My husband and I had a checking account and a joint savings account. After the merge and we started to notice major problems with BOA, we decided to close our accounts and do our banking somewhere else. We closed our account 6 months ago and I requested a letter confirming that both accounts were closed. I received this information.
On January 11th, my husband and I receive a mailing from BOA. I thought it was an advertisement for us to come back. Thank goodness I opened it. It was a letter stating an saving account opened in both our names were overdrawn. Well of course this is completely wrong, but more, they stated if we didn't pay this overcharge fee we would be sent to collections and Chexsystems.
Well, I called and gave them my SSN and found that there was an account opened in our names. I explained that how could this be if we closed both account 6 months ago and I had verification. They told me they would take care of this and close the account for good.
I called today, and asked how long do they keep my information in their system they said 7 years for legal purposes. Well, I have filed an Identity Theft claim with the Federal Trade Commission and BBB. Why? What they did was Indentity Theft. And more if the plan to keep my SSN and information on file for 7 years for "legal purposes, " who says this so called error won't happen again. I have also check my credit reports and placed alerts on them. As you can see, I handle my own business.
Please be warned about this bank. This bank does not practice good business. They like to steal money on false claims. And the sad thing was, I KNOW they would do something like this. I hope they get caught for what they are doing for hardworking people. I don't care about all the commcericals of helping immigrants, the poor, and building up communities. If you steal from the same people that feeds you - you are simply a product of organized crime.
This is my story. Take care.
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