I opened a checking and savings account with Bank of America in 2005. I had direct deposit of my pension checks from VA and SSDI.in May I received a check of $3.800 usd from England stating that I had won a lottery in England. I researched on line and the Bank existed, the account existed and the Lottery Service had a working number. I have been playing the German, Spanish, Phillipine, Austrailian and English lotteries on line for two years.
I took the check for three thousand eight hundred dollars to the manager of the Bank of America. I explained the details to him along with his teller and he deposit the check in my account would be ok. I made the mistake over the next two or three weeks of paying my bills, using my bank account in a normal fashion.
The check was returned to BOA from England. The risk department took $1135.00 out of my checking account and closed my checking account, reported my name to Chex Systems for a negative balance of -$2,723.00 and did not pay the three checks that I had written without any knowledge of the closure of my account.
Ms Hilda Storts of the Risk Department of BoA stated that I should be mad at the issuer of the check not Bank of America. She also stated that I had deliberately withdrew my money over the weekend in order to 'beat the Bank of America out of their money???' When I pointed out to her that had I wanted to do so I could have closed my account and taken all of my funds away in the four weeks that it took for the check to be returned, she hung up on me.
I went to four or five different banks to open a checking account for my direct deposits and all of the banks ran a check of this Chex Systems found this item of dispute between me and BoA and said'No' I ended up using an online loadable MasterCard as a 'Bank' for my checking account.
There is more... I will send another report tomorrow night.
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