I am very disappointed that Bank of America even got involved with Direct TV. Why would they find no fault of Direct TV causing an overdraft when Direct TV had no right to take any money out of my checking account?
I tried to remove my card info on their web site and it would not let me.
Also, I always make one-time payments myself since my paychecks fall on different dates. I want every single payment to a bank to have my approval. When I saw my account was in the negative, I went right away to the bank, and they said the reason was Direct TV's receiver.
When did Bank of America go into the business of refunding Direct TV for receivers? I asked the lady, "Are Bank of America and Direct TV owned by the same company?" She said no.
As I stated to the lady on the phone, Direct TV lied. That was my receiver, which I bought at Circuit City! The bank said Direct TV said it was theirs, and I said that by making a statement to the bank, it was their way for them to collect the $172 they said I owed.
They said I owed it for watching, which half the time, when it snowed and rained, had problems. They knew about the problem, and they had two dishes on my property and still had problems. When I talked on the phone to an associate of Direct TV, because they had disconnected my service, she said, "So what, I knew Direct TV did not always work in bad weather." At that same time, I told her I did not have $172. I had $100, and she said no, she wanted it all.
I have had problems with their billing over and over. One time they listed the receiver as customer-owned, then lease-owned, and this has been going back and forth since 2005! They keep this up in hopes they can wear you down. Since I was just laid off, I told them that was fine, keep it off, because I had no money. Direct TV will need to stand in line with the rest of my debt collectors until I can get another job.
I just do not understand what special treatment Direct TV gets from Bank of America to get into my account without a judgment by a court.
I went back to the bank and showed them the letter that it was my receiver. The letter said, in effect, "Oh sorry, you should not have shipped back the receiver," keeping the $172 and refunding $200. I told the bank I was upset that they did not protect their customers better than that. The lady there got up from behind her desk without reading the letter, walked me over to the teller, and said it is easy and just closed out my account. That was my support? Like, oh well!
So right now I have to pick my battles. I am losing my home and my car, I will be 58 with no job and no treatment for my cancer. I am new to this state, I have no family, and I am in hardship. Now Bank of America is wanting money for overdraft fees that I did not cause.
It makes me sad that Bank of America is working alongside Direct TV to help them collect from customers, and the bank is allowing them to cause an overdraft and comes to me to collect when it was them who should pay. Since they lied to the bank about the receiver, I wonder how many customers Direct TV has done this to.
Why, with all this hardship, would Bank of America allow any company to come into its customer's checking account without notifying the customer first or getting a court order?
This is Direct TV's bully behavior! The fact that they can go into a checking account without permission has got to be against the law. What protection do we have? Who is protecting us?
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