Comments on: Beware the Almost Closed Bank Account! http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/ Family, Marriage, Finances & Life Sat, 11 Feb 2012 13:09:32 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Slapa http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-106967 Slapa Thu, 22 Sep 2011 03:14:14 +0000 http://www.cleverdude.com/?p=770#comment-106967 Can you provide a refernce to these laws Jim? I doubt it is like you say. Just because I have an account number doesn't give me access to anything. Think about it, every check you write has the account number at the bottom. If it was like you say, there would be billions of incidents. The nigerians wouldn't have to send all those poor grammar scam emails, they would just need your account number. I think the REAL law is that if you use my account number to do any sort of electronic draaft without my permission, the FBI comes asking you questions regarding wire fraud and other things. Can you provide a refernce to these laws Jim?
I doubt it is like you say. Just because I have an account number doesn’t give me access to anything.
Think about it, every check you write has the account number at the bottom. If it was like you say, there would be billions of incidents.
The nigerians wouldn’t have to send all those poor grammar scam emails, they would just need your account number.
I think the REAL law is that if you use my account number to do any sort of electronic draaft without my permission, the FBI comes asking you questions regarding wire fraud and other things.

]]> By: Jim http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-80262 Jim Sat, 31 Jul 2010 11:50:48 +0000 http://www.cleverdude.com/?p=770#comment-80262 I honestly believe there is NO WAY to really close a bank account once you open it. Even after you go to the bank and "close" it there can still be Deposits and Withdraws from the account that YOU will be held responsible for under banking law. As long as someone has the Bank Account number they have the ability to withdraw money or deposit money to that account. Even after it's closed. I honestly believe there is NO WAY to really close a bank account once you open it. Even after you go to the bank and “close” it there can still be Deposits and Withdraws from the account that YOU will be held responsible for under banking law.

As long as someone has the Bank Account number they have the ability to withdraw money or deposit money to that account. Even after it’s closed.

]]> By: Alex http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-58180 Alex Mon, 28 Dec 2009 05:59:19 +0000 http://www.cleverdude.com/?p=770#comment-58180 Why would you close a US bank account when you leave the country??? Keep it open with a minimum balance just in case... Fr example, only with the US credit card you can rent a car in most countries and get free insurance covered by the card. In order to pay off the card you'll need money in yur US bank account Why would you close a US bank account when you leave the country???
Keep it open with a minimum balance just in case…
Fr example, only with the US credit card you can rent a car in most countries and get free insurance covered by the card.
In order to pay off the card you’ll need money in yur US bank account

]]> By: Jolly http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-58086 Jolly Fri, 25 Dec 2009 10:55:46 +0000 http://www.cleverdude.com/?p=770#comment-58086 Holly crap. It is really scary to hear these stories, cause I need to close my b of a account in the future when I leave the country. Man,... they make mistake a lot. I guess... Strange thing is, their phone banking center work slightly better than their bank branches.. When I dropped by their bank branches, I asked them to do some of things, and they looked like they did the things that I asked them to do, and they even said that "Oh, your request is very easy." and then it turned out that the bank branches didn't do the things that I asked them to do. So, I had to call phone banking center and fixed things. OMG! Holly crap. It is really scary to hear these stories, cause I need to close my b of a account in the future when I leave the country.
Man,… they make mistake a lot. I guess…
Strange thing is, their phone banking center work slightly better than their bank branches.. When I dropped by their bank branches, I asked them to do some of things, and they looked like they did the things that I asked them to do, and they even said that “Oh, your request is very easy.” and then it turned out that the bank branches didn’t do the things that I asked them to do. So, I had to call phone banking center and fixed things. OMG!

]]> By: Joanna http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-44451 Joanna Wed, 17 Jun 2009 23:53:39 +0000 http://www.cleverdude.com/?p=770#comment-44451 I closed my b of a account over a month ago. I forgot I set this account up as the refund account on my university account, so just last week i had a deposit refunded to the closed b of a account. I was waiting for the money to 'bounce back' but finally decided to go there today and asked what happened with it. It turned out that the account was mysteriously re-opened, or probably never really closed. The assistant was very surprised when i told her i closed my account last month. I requested again a paper confirming that the account is closed, she printed out sth but refused to sign it. I'm not really sure what I should do, since Im leaving USA tmrw for at least year or 2 and im afraid to come back and find out that my account is still open and way in overdraft. any suggestions? thank you I closed my b of a account over a month ago. I forgot I set this account up as the refund account on my university account, so just last week i had a deposit refunded to the closed b of a account. I was waiting for the money to ‘bounce back’ but finally decided to go there today and asked what happened with it. It turned out that the account was mysteriously re-opened, or probably never really closed. The assistant was very surprised when i told her i closed my account last month. I requested again a paper confirming that the account is closed, she printed out sth but refused to sign it. I’m not really sure what I should do, since Im leaving USA tmrw for at least year or 2 and im afraid to come back and find out that my account is still open and way in overdraft. any suggestions? thank you

]]> By: jay http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-22264 jay Fri, 04 Apr 2008 21:30:59 +0000 http://www.cleverdude.com/?p=770#comment-22264 Well, for those who are wondering if they have money floating around somewhere, most state Treasury Departments have an unclaimed property program/database that you can search by name. I found I had over $300 due to me from what must have been an over 20 year old account. It was a very easy process to claim, then receive the "windfall". Doubt there's an equivalent program for money you might owe (except of course your credit report), Well, for those who are wondering if they have money floating around somewhere, most state Treasury Departments have an unclaimed property program/database that you can search by name. I found I had over $300 due to me from what must have been an over 20 year old account. It was a very easy process to claim, then receive the “windfall”. Doubt there’s an equivalent program for money you might owe (except of course your credit report),

]]> By: Tim http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-22258 Tim Fri, 04 Apr 2008 18:31:25 +0000 http://www.cleverdude.com/?p=770#comment-22258 have them send you a letter of account closure. I always request this. have them send you a letter of account closure. I always request this.

]]> By: Morgaine http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-22257 Morgaine Fri, 04 Apr 2008 18:28:54 +0000 http://www.cleverdude.com/?p=770#comment-22257 It was, but it got fixed. I was even pleasant to the poor guys on the bank help lines. It was certainly a rather shocking lesson! It was, but it got fixed. I was even pleasant to the poor guys on the bank help lines. It was certainly a rather shocking lesson!

]]> By: This Mom http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-22256 This Mom Fri, 04 Apr 2008 18:26:54 +0000 http://www.cleverdude.com/?p=770#comment-22256 I had this EXACT same problem with Bank of America. I had an open account I didn't even know about! I had this EXACT same problem with Bank of America. I had an open account I didn’t even know about!

]]> By: Mrs. Micah http://www.cleverdude.com/content/beware-the-almost-closed-bank-account/comment-page-1/#comment-22255 Mrs. Micah Fri, 04 Apr 2008 17:49:25 +0000 http://www.cleverdude.com/?p=770#comment-22255 Ouch, Morgaine. That's pretty awful. Ouch, Morgaine. That’s pretty awful.

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