I had opened an account with Guaranty bank because I was renting out my house and the tenants were puting the rent into the account. This branch is in Desert Hot Springs California and a block from the house. I live quite a ways away and this was the easiest way to collect rent. Everything went fine for 3 years.
Well now I am selling the house and it is in escrow. On Feb. 01 I go down to the bank and close the account. I spoke to the branch manager and explained that I do have a couple of things that automaticaly get withdrawn from the account about the 5th of the month. I am working with these companies to have the accounts transferred to another bank aaccount.
The manager told me that they would be returned as either Account Closed or Wrong Account Information. WRONG!!! On the 4th The bank paid a $30.00 charge and a $5.00 charge then charged me a $50.00 overdraft fee. How can I be overdraft on a closed account? I called the bank immediately when I received the notice of fees. Their response was well there is nothing we can do unless you file fraud against the companies that submitted for payment.
If we didn't do that it was our problem. I don't think the companies did anything wrong, The bank did. They are the fraud. Wait it gets better... On 2/13 because I was overdrawn for a week I get charged another $25.00 overdraft fee and again on the 20th (if you don't keep something in the account you get charged an overdraft fee of $25.00 each week is what they told me). Now get this... On 2/21 I get charged the customary $8.00 monthly service charge and an additional $25.00 overdraft fee.
(So now the company charges a monthly fee and overdraft fee for a closed account) Now they are going to start returning things Not as account closed but as NSF 2/22 $25.00,3/4 2@ $25.00. & 3/5 $25.00. We spoke to the companies we are paying and they said no problem it was their error for not switching over and will credit any fees but of course can't do anything about the bank fees.
All total so far I am overdraft $268.00 on a closed account. This is one hell of a scam. If you close an account you start accumulating a hell of alot more fees then when the account was open. I honestly feel that it is their way of trying to punish someone for not doing business with them. Either that or some higher up needs to purchase a new car for his spoiled brat daughter/son/wife.
I have filed a complaint with the FDIC and they said to contact OTS. (I Am).
Anyone know who else I can contact.
I will be sending everything to my attorney too.
Think maby 60 minutes, Dateline or 20/20?
Any sugestions would be appreciated. The sooner the better. The way these fees are adding up they will be taking everything I own.
Help!!!
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