2nd Attempt to Reopen my Checking Account

pls i want u to open an account jimbrownharry@hotmail.com pls as soon
as actived the account pls contact me on p_okoro@yahoo.com

And just think! This is the "lovely" company that gives illegal
immigrants credit cards with false or stolen social security numbers.
What a joke, there isn't enough money in the world for me to ever do
business with BOA.

This reminds me of that book "He's Just Not That Into You". I have two
accounts. One is a credit union I've been with for 20 years this fall.
The other is a 2 year old BOA. The difference is night and day. BOA
does tend to be rather rude, but they're handy to have since they're
practically everywhere. If you keep your account in good standing they
seem to be "ok". There are plenty of other large, national banks for
you, though. Try one of them or a credit union.

Thank your lucky stars that Slime of America won't steal your money
ever again! It's a blessing from heaven. Get your checks cashed at a
store that does that (1% fee) and KEEP your hard earned money safe in
a piggy bank. Or open an account at a trustworthy bank if you must
have checks. I've heard so many bad stories about Slime of America and
I didn't believe them until it happened to me - twice. RUN LIKE HELL!

Every bank has these complaints.

I screwed up my taxes a few years ago (Didn't realize you had to
report sold savings bonds and didn't. I had sold a lot to pay for
some unexpected bills that happened during a period of unemployment.

Well the gist of it the IRS sent me a notice saying I owed taxes on
that.

Contrary to their rep, the IRS was nice about it. The guy who worked
on my file saw I had filed every year on time by April 15th and I
obviously called the day I got the notice. And it was a stupid but
honest mistake.

We worked out a payment agreement to pay it off in 4 monthly
installments out of my checking account. He even froze interest
charged from thed ate of my call.

I sent them my bank information.

Well my mother is also on my account and has other accounts there.

Somehow TCF took the money out of my mother's account. This is her
bills account that she doesn't keep extra in.

So NSF fees came up. We called the IRS and they sent us a copy of the
form I had filled out which clearly showed I used information out of
my own checking account not any of my mother's.

They told us we should ask the IRS for the NSF fees. WHy? TCF
screwed up not the IRS.

Finally they refunded the fees.

She has a very legitimate complaint if she never gave Arrow
authorization. But the thing is her beef is with Arrow not Bank of
America.

I have to say I sort of agree with the OP on this one. Not with her
tone but about the situation. I had a similar issue with B of A some
time ago. When I was younger my dad told me that once you open a
checking account with a bank or credit union never close it because
you never know if that bank or credit union will have a good rate for
a loan that you need and if you are a customer it will make things
easier. To make a very long story short, I went to pay a bill that was
quite large. I guess the last time I paid the bill to that company I
had used my B of A checking account instead of one from another bank.
I wanted to pay my account with my other bank but for some reason
instead of using the account information I provided the company used
my B of information. Since my B of A account was not one that I used a
lot, I really did not have a lot of money in the account. I before I
knew what happened, I got hit up with almost 300 dollars of fees due
to NSF fees. Then the NSF fees would overdraft and I got hit up with
those fees! When I called the company the refused to reverse the
charge and kept on attempting to charge it to my B of A account. I
finally had to put money in my B of A account from the other account
to stop those NSF fees! B of A would not stop the charge from being
attempted on my account because it was "authorized"
Anyway my point is B of A can be quite nasty with those NSF fees!

If Arrow was illegally charging your account you should sue them til
the cows come home.

Bank of America will want your business because you'll be rich.

And while most lawsuits are baloney sausage you'd have a legit one.

You must have screwed up pretty badly if they told you they didn't
want to give you any accounts in the future. From later posts, it
look sliek they took you back. Congratulations.

A quick survey of the messages shows you really don't take criticism
well. So you think that because you messed up and BOA didn't want you
back, that would reflect badly on BOA? OK, I can see how that makes no
sense at all.

FYI...IMPORTANT NEWS...

WE'LL GUESS WHAT...BOA called...I got my Account Back...Thanks for all
of your Non-Support...with the exception of (S.BROWN...Thanks)...
I guess PFB does work after all.

Now stop hating!!!

...

I have no idea what a "Risk Dept" is, but I'm guessing it sure as heck
isn't anything good. If a bank flat-out states that they don't want
you as a customer, you should probably take the hint and bank
elsewhere.

As far as I know there are no laws stating that any bank is
*obligated* to take on unwanted customers, especially if those
customers have had problems with the bank in the past.

Oh, and the implied threat that you'll somehow get the company you
work for to stop banking with BoA is downright laughable--unless your
position at said company is CEO or CFO, it's impossible to take that
seriously.

Biotch!!!

Bank of America can choose to accept you as a customer or not. It's
their choice. They said no - so move on to another bank.

Also, I'm pretty sure that a company with 50,000 employees isn't going
to go on the word of one employee about changing banks. They'll
probably consider other factors such as years of good service, interst
rates, etc.

Here is a case summary of one against Arrow Financial... they lost.

http://www.libertypost.org/cgi-bin/readart.cgi?ArtNum=187051

So it looks like this is Arrow's fault, not BofA.. I would get a
lawyer..

ummm

there = an adverb meaning "in a specified place".

their = a pronoun.

didnt you learn this in like 4th grade???

I think "worked" is the key word in this treatened boycott by 50,000
Employees. I know I JUMP when someone says "don't bank there" and I
tell two friends and they tell two friends and so on and so on....If
one strike and you're out and putting bugs in people's ears dosen't do
it, why not try another approach?

And You're Welcome!!

Why, if below you state your problems stem from unauthorized
withdrawls from a company called Arrow, do you refer to the situation
in a previous letter as

"because I made a couple of mistakes managing my account...they closed
it, and they told me I had poor banking history so they closed my
account. I want Bank of America to give me a 2nd chance and to reopen
my checking account. All of my family banks with Bank of America..."?

I'm not understanding how this problem you state is due to "a couple
of mistakes managing my account" is now due to a bunch of unauthorized
withdrawls from a collection agency?

I don't think Bank of America cares whether you feel comfortable.

I think they're trying to get you to grasp that they want you to go
away.

You asked whether there was any possible way that you could reopoen
your account. The representative answered you. Sure, it was blunt,
but you do not appear to be picking up on the subtle signals they have
been giving you, and sometimes bluntness is necessary. Since your
response to the blunt answer is "Give me a 2nd chance and reopen my
Checking Account" I suspect you are going to be encountering even more
bluntness from BoA in the near future.

Down in the comments on the very first reply someone has given you
some suggestions for pursuing things with Arrow Financial. I would
suggest that you put the energy you have been investing in your quest
to get your BoA account reopened into getting things straightened out
with Arrow, because while BoA seems to be perfectly willing to leave
you alone (and hopeful that you will reciprocate), Arrow appears
unwilling to do the same.

With all due respect, your letter comes across as petty and immature.
I'm sure you're a reasonable articulate person and I would suggest
re-writing this and including more pertinent details and leaving out
the empty threats.
You'll get more flies with honey that you will with vinegar.

Most companies don't respond well to threats, especially ones like
yours that are more apt to induce laughter then fear.

Find another bank. That way you can screw up with them and then blame
them for your poor handling of your finances.

I'm sorry, but this made me laugh. I really doubt that whomever is in
charge of banking at the business you work for, probably in the lower
echelon, really cares about your banking problems with BOA.

Yvonne,
Oh Boy this letter is really going to sway them.
While you might not believe it one's credit rating is directlky
related to many aspects of how you handle life and how you handle
matters other than credit and you just proved it...ie. threatening
letters, unrealistic demands.
Bill R.

Unless you're CEO, you don't have any influence. Sorry. And I don't
think you are CEO, being that such people are usually required to have
an education level surpassing elementary school. Not trying to be
mean. Just pointing out that if no one here can even take you
seriously, what on Earth makes you think a company as big as BoA
would, either?

its not the end of the world. Bug in there ear? grow up.

If you continue to bully BoA they not only will continue to ignore you
but may also put a note in your file or record somewhere about your
letters.

First of all, why was your checking account closed? You are not clear
in any of your letters.

Secondly, I'm sure BOA is shaking in their boots about your threat.
Unless you are the CEO or CFO you have no say in who your firm banks
with. If you've had a checking account closed, I doubt you are
either.

Lastly, why is it so important to you that you bank with BOA again.

You are not telling us something.

P.S. I await your witty reply!

there is no 2nd chances...1 strike and your OUT!!!

Make sure you tell your company how bad you were with your finances
and how YOU messed the account up.

:)

Yvonne: This is your third letter attempting to get your BofA
checking account re-opened. There has to be more to this story as
banks don't close accounts for one mistake.

Furthermore, the fact you work for a company that banks with BofA and
has 50,000 employees is meaningless in this siutation - - as is your
threat to encourage them to change banks. BofA doesn't care who you
know or that you claim they provide poor customer service - - they
care how you manage your personal account. I seriously doubt your
company will change their banking relationship because your personal
bank account was closed.