FUCK BANKS!!! and FUCK AOL money hungry thieves! - GoFuckYourself.com

eddie-executive · 03-10-2004, 07:40 AM

Total fucking bullshit, this shit amazes me! I closed my checking account in september of last year with a 0 balance obviously. I get a collection agency letter from ChexSystems saying I owe $280 to the bank for paying for paying for a AOL monthly charge of 24.95

I had shitty aol for a short time because cable wasnt available here yet. So they paid 24.95 twice after my account was closed and i got a $6 a day overdraft charge for like 2 months or whatever. So the banks says I have to pay at least $48.00 for the aol that they paid to clear this up. They said oh we'll work with you on this and clear all the overdraft charges if you just pay the 48$. Its only 48$ but now i have this shit on my credit report that i was delinquint with a bank even if its paid in full it shows on your report for years. Now this may fuck with me buying shit on credit. If i close a checking account its closed period. IF someone trys to get money from my account thats closed, they will call me and request another method of payment or send me to collections. Never heard of a company forcing a trasaction through when there is 0$ in the account TOTAL BULLSHIT

I cant open a checking account until this is cleared up too. Tried to open one and they call chex systems before hand. I got embarresed at another bank cause it came up. Im gonna keep all my money hidden in a fucking sock drawer. I trust paypal over a fucking bank,lol

Spudman · 03-10-2004, 07:43 AM

that sucks man. i dont see how they can charge an account when you have closed it? does it affect your credit rating badly then?

eddie-executive · 03-10-2004, 07:49 AM

exactly when an account is closed its closed. I said to the manager suppose i had a yearly charge to my account from something, would you pay that to even though my account is closed? I guess i took it in the ass and i have to pay or else my credit is fucked and i cant open another checking account anywhere.

Lord Helpus · 03-10-2004, 07:50 AM

It's total bullshit. I am convinced some of these ISPs have a racket going with the banks. I had Direcway satellite when I lived somewhere without DSL, and they are fucking me. I convinced the bank to reverse the last $60 monthly charge after I faxed them numerous letters I sent Direcway cancelling my account, and Direcway was unable to provide the bank with any evidence of a contract. And then this week I get a fucking bill in the mail from Direcway, charging me the $60 as well as fee for charging back thru the bank! It's going to fuck up my credit if I don't deal with it.

Sorry to hear about this man. I feel your pain.

Herb Kornfield · 03-10-2004, 09:28 AM

I would do the following here..

1. Talk to the bank manager / area manager for the bank and tell them with any info that you have showing when the account was closed out.

This will show that you took your biz elsewhere to another bank and why is their bank holding you liable for charges on an account that no longer is active.

2. Talk to AOL - Tell them that you cancelled your account on date X and since then, can they please tell you the usage on your account. AOL can tell your usage. If there is no usage, you are golden.

Have the dates that you closed the bank account, the dates you closed the AOL account to prove that you are in the right here and maybe fell thru the cracks. Dont settle for a clerk or level 1 AOL rep. Ask for managers to talk to and explain the suitation.

I had to go thru this when I moved once about 3 years ago with my old bank and AOL. These businesses have tons of customers and most people just blindly pay their bills and dont read / dont follow on things when there are issues. Just be persistent.

03-10-2004, 07:40 AM	#1
eddie-executive Confirmed User Join Date: Apr 2003 Posts: 2,061	FUCK BANKS!!! and FUCK AOL money hungry thieves! Total fucking bullshit, this shit amazes me! I closed my checking account in september of last year with a 0 balance obviously. I get a collection agency letter from ChexSystems saying I owe $280 to the bank for paying for paying for a AOL monthly charge of 24.95 I had shitty aol for a short time because cable wasnt available here yet. So they paid 24.95 twice after my account was closed and i got a $6 a day overdraft charge for like 2 months or whatever. So the banks says I have to pay at least $48.00 for the aol that they paid to clear this up. They said oh we'll work with you on this and clear all the overdraft charges if you just pay the 48$. Its only 48$ but now i have this shit on my credit report that i was delinquint with a bank even if its paid in full it shows on your report for years. Now this may fuck with me buying shit on credit. If i close a checking account its closed period. IF someone trys to get money from my account thats closed, they will call me and request another method of payment or send me to collections. Never heard of a company forcing a trasaction through when there is 0$ in the account TOTAL BULLSHIT I cant open a checking account until this is cleared up too. Tried to open one and they call chex systems before hand. I got embarresed at another bank cause it came up. Im gonna keep all my money hidden in a fucking sock drawer. I trust paypal over a fucking bank,lol __________________ Jealousy... is a mental cancer. ~B.C. Forbes

03-10-2004, 07:43 AM	#2
Spudman Confirmed User Join Date: Aug 2002 Location: UK Posts: 3,198	that sucks man. i dont see how they can charge an account when you have closed it? does it affect your credit rating badly then? __________________ Take it Easy !!!

03-10-2004, 07:49 AM	#3
eddie-executive Confirmed User Join Date: Apr 2003 Posts: 2,061	exactly when an account is closed its closed. I said to the manager suppose i had a yearly charge to my account from something, would you pay that to even though my account is closed? I guess i took it in the ass and i have to pay or else my credit is fucked and i cant open another checking account anywhere. __________________ Jealousy... is a mental cancer. ~B.C. Forbes

03-10-2004, 07:50 AM	#4
Lord Helpus Confirmed User Join Date: Feb 2004 Posts: 239	It's total bullshit. I am convinced some of these ISPs have a racket going with the banks. I had Direcway satellite when I lived somewhere without DSL, and they are fucking me. I convinced the bank to reverse the last $60 monthly charge after I faxed them numerous letters I sent Direcway cancelling my account, and Direcway was unable to provide the bank with any evidence of a contract. And then this week I get a fucking bill in the mail from Direcway, charging me the $60 as well as fee for charging back thru the bank! It's going to fuck up my credit if I don't deal with it. Sorry to hear about this man. I feel your pain. __________________ webcam swingers - amateurs - exhibitionists

03-10-2004, 09:28 AM	#5
Herb Kornfield Is on the 1 Industry Role: Join Date: Sep 2002 Location: Philly Burbs Posts: 4,996	I would do the following here.. 1. Talk to the bank manager / area manager for the bank and tell them with any info that you have showing when the account was closed out. This will show that you took your biz elsewhere to another bank and why is their bank holding you liable for charges on an account that no longer is active. 2. Talk to AOL - Tell them that you cancelled your account on date X and since then, can they please tell you the usage on your account. AOL can tell your usage. If there is no usage, you are golden. Have the dates that you closed the bank account, the dates you closed the AOL account to prove that you are in the right here and maybe fell thru the cracks. Dont settle for a clerk or level 1 AOL rep. Ask for managers to talk to and explain the suitation. I had to go thru this when I moved once about 3 years ago with my old bank and AOL. These businesses have tons of customers and most people just blindly pay their bills and dont read / dont follow on things when there are issues. Just be persistent.