Posted in the Bank of America Forum
#1 Mar 7, 2013
I had my tax refund direct depositied into my checking account!i went to draw the funds out and was then notified my account was frozen and in process of being closed due to a 150 dollar overdraw on the account and only been overdrawn for 5days!Now bank of america is holding my tax refund of 5,300.00.the 150 over draw was taken care of but there still holding it due to a 67 dollar check written to food city that bounced twice and theyre expecting it to come back thru theyre bank and it to clear though my account,well...i spoke to foodcity loss recovery in virginia.they said they WONT send that 67 dollar check back through.they said it will be turned over to colletions and it will be my resposibility to pay that check on my own.so bank of america is no longer resposible for that check.i am.i must pay with a credit card through foodcity collections dept when they get the 67 dollar check back.i have called bank of america risk management and requested my check to be released to me they said it can take up to 7 days!and my localbank said they wont reloease my funds until food city send that damn 67 buck check back through!that isnt gunna happen.ever!i dont know what to do.is that legal that they can hold my check like this!ive been waiting for this check forever!i have major bills to pay like rent!im about to get evicted with my $kids and be out onthe street!electrics about to get cutt off!i was depending on this money!i am pissed to high heavens!no one at thebanking centers are helpfulo, they are rude and short and are not customer advocates at all.i cant even believe they wud loose a customer over a 5day overdraw of an account.wheni opened the acount the lady that assisted me told me that i could overdraw my account and it was to the banks discression as to whether or not they would let me over draw it. and that i would have to agree to a 35 dollar over draw fee.i said okay because i WILL BE OVERDRAWING THE ACOUNT SOME until i recieve my income tax return, which will be within a week or two of opening the account.they said hat was fine.now theyre closing my acount over it.Bank of america sucks!they have treated me like shit.i guess because its nothing for them to loose a customer like me who only puts like a thousand bucks in there bank a month and i spend most of it by the end of the month.they are horribal at customer service, they are horribal at informing theyre customers of impostant things like account freezes and closings of acounts.i would have never even kno0wn if i hadnt tryed to get my refund from them that my acount was being closed.they blocked me from using online banking and atm card.and didnt inform me why or give me a number to call.i had to dig and find out why my passcode wasnt working and dig for a number to call and help me.all due to 150 overdrawn for 5 days!How am i gunna get my tax refund! i think i should contact an attorney over this.they are about to cause my family to be on the street, and before that without electric, get my car repossesed!i seriously cant wait for them to make these decisions and wait for them to sit on there asses and wait wait wait for a foodcity checkto come thru that isnt gunna come thru!god im pissed.and i havent spoken to a representative outa nrearly 12 of them that could help me!anyone out there going through this?or any advise of how to get them to release my funds?shud i contact the irs?or an attorney?im freaking out.im never gunna get my money!help!!!anyone!
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