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Just some rage at my old bank.

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  • Just some rage at my old bank.

    I closed my bank account and switched banks.

    Closed it.

    But I come to find out that I didn't switch over my Netflix information for my new bank. Shouldn't have been a problem, since the old account is CLOSED and therefore INVALID.

    But I come to find out that nope! They still put through the netflix charge on the CLOSED account, thus over drafting that account (since all the money was taken out of it to go to the new account) and so tacking on an additional $35.00 fee for the overdraft.

    If they think I'm paying this they have another thing coming.
    My Writing Blog -Updated 05/06/2013
    It's so I can get ideas out of my head, I decided to put it in a blog in case people are bored or are curious as to the (many) things in progress.

  • #2
    And now I get off the phone to the tune of "Oh well we can't waive the fee..."

    Which is them basically saying, "Ha! We do this shit on purpose to wring more money out of you!"
    My Writing Blog -Updated 05/06/2013
    It's so I can get ideas out of my head, I decided to put it in a blog in case people are bored or are curious as to the (many) things in progress.

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    • #3
      how long has it been closed for? i know that my old bank told me if any charges came through in the first 3 months i'd be liable for them or something like that

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      • #4
        It wasn't closed for that long prior to the Netflix charge coming in, but I went into the physical bank to close it. They said nothing of any liability and just pulled all the money out of the account and handed me a check.

        That was it, nothing more.
        My Writing Blog -Updated 05/06/2013
        It's so I can get ideas out of my head, I decided to put it in a blog in case people are bored or are curious as to the (many) things in progress.

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        • #5
          A lot of banks still put through pending or automatic payments even though the account is closed.

          Sucks that they didn't advise you of anything (if there was anything to advise). Try going to your branch again; sometimes if you speak to the same person and explain it, they'll make an exception.

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          • #6
            I'd say go in and speak to a manager. Specifically mention to them that at no time were you informed that any "future" transactions might be processed at all.
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            • #7
              A lot of banks still put through pending or automatic payments even though the account is closed.
              Ya, that's what I was told. And I too was closing in person.

              Still that sucks.

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              • #8
                Pretty much at this point I just put the money in (plus over draft fee) but now I KNOW I've changed over everything away from that account.

                So if anything else tries to go through that account it's going to be fraudulent and I will fight tooth and nail.

                I just wish I could tell them, "No, no grace period. CLOSE IT DOWN COMPLETELY. NOW!"
                My Writing Blog -Updated 05/06/2013
                It's so I can get ideas out of my head, I decided to put it in a blog in case people are bored or are curious as to the (many) things in progress.

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                • #9
                  Actually no, I *wouldn't* have paid it off. Not after what I went through when I still lived in England.

                  In order to actually get the money off you, they either have to convince you to pay it of your own accord - of which there are a variety of escalating techniques, but they aren't allowed to force or harass you - *or* they have to go through the courts. And to go through the courts, they have to prove that the debt is valid, and you get to offer argument and evidence that it *isn't*.

                  In this case, your argument would be that you went in and asked for the account to be closed on X date - before the charge was placed - and that you returned the balance to zero (don't say "withdrew all the funds" because that could indicate to a professional cynic there were none to withdraw, and that the account was already overdrawn) in the process of doing that.

                  The transaction records will be in evidence from the bank's side, because that is the only way they can prove the charges were applied in the first place. So you can point to the zeroed balance on that date as marking the time when you asked the account to be closed, and were left with the clear impression that this had been done.

                  American law is undoubtedly different on this point, but I was able to recover all of my overdraft charges from my English bank - an escalating spiral triggered by a very small initial miscalculation that very quickly outstripped my total income - by contesting them under the "Unfair Charges in Consumer Contracts Regulations". In the meantime I had to exist in the cash economy, since putting my income into the account would have left me with nothing to eat. They then closed the account on *me*, out of spite. But at that point I was moving out of the country anyway, so I didn't bother contesting that.

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                  • #10
                    I went through this with my last bank. They claimed they changed their accounts to make it easier for everyone and by easier I mean changing things so they charged for accounts. I found a bank that has free checking and switched. There was some stuff still pending in my old account so they left just enough to cover that and gave me the rest of my cash.

                    While I'm waiting for the charges to clear I get hit with the monthly fee so it put my old account in the red. I get the reversed and finally think I'm done with this stupid bank. Nope. One of the auto payments I had set up went through. I don't know on which end it really came from. I call the bank and after going through three people, the bank says it didn't come from them it came from the other guy.

                    At least this month passed with just a notice saying my payment was denied off the closed bank account. Yeah, good I already had it set up with my new account.
                    I would have a nice day, but I have other things to do.

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                    • #11
                      Actually, at least in most of the US, you are not only liable for the charges, but you can be gone after legally.

                      That's because sending a charge thru on a closed account is a favorite trick of check kiters.

                      Sure, you didn't intend to do that, but the laws still apply.

                      Many years back I had a problem with my taxes and the state tax people garnished my bank account (which they *technically* couldn't do because the money was from welfare while I waited for disability to get approved).

                      I didn't think to cancel the one and only automatic payment I had set up.

                      Results? Not only did I have to deal with collections, but the bank considered it *fraud* and reported it to the bank equivalent of a credit reporting agency. With the result that until it aged out of the database (7 *years*) I could not open a bank account *anywhere*.

                      Finally had to open a joint account with a trusted friend.

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                      • #12
                        Wachovia tried that with us. We moved everything to USAA but left $300 in the old account in case we missed any automatic payments for 3 months then withdrew the money and closed the account. A year later we get a notice that we owe them $500 in overdraft fees, but when I asked for a detailed list they never provided me with one but told me to go to the local branch that we had opened the account at (the branch we used was in Georgia and at this time we were in Alaska). When I told them it was impossible for that to happen they just kept telling me to just pay it but I refused until they could proved me with proof of what we owed. I'm still waiting over 9 years later.

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