Know what? You just caused me to go back and re-read the posts, and thank God you did! It was Sassy, in an eariler post, who pointed out the 60-day rule to me, and I am working under the assumption that she's right since she seems knowledgable on the matter. Anyway, I went back and re-read her post, and it says we have 60 days "from the statement date" of the statement that shows the debit. If she's right, then we are still within that time period. The statement date was 2/22/02. Hope Sassy is right! See what happens when y'all cross your fingers, legs, and eyes?
Okay, I have just called the branch, and I got a guy on the phone who said they were too busy right now to talk to me and they'd have to call me back, but it would be today for sure. As soon as I gave him my (Mom's) name, he recognized it right away (she's been there forever), and said he was just sure that the account wasn't closed yet, but he'd check and call back. Now, I am actually sure that it is closed because just a few minutes ago my Mom faxed me today's mail, which included a letter from Telecheck saying she'd been turned over to them. Anyway, though, this guy did not sound snooty or unwilling to help, and that's good news at least. I can't claim he specifically said anything to this effect, but he definitely did not take any kind of "You big loser why are you even bothering" kind of tone. He sounded like he wanted to help. Keep crossing all those body parts! And if anyone has any more advice on the matter, it is still open for now at least until I get that call back!
P.S. If the account *is* actually closed and if it can't get re-opened, does the fact that they turned her over to Telecheck mean that they didn't turn her over to Chex? Do they just do...like one or the other? Or do they often turn it over to both? That'd be REAL bad news...
How about putting your Mom on the phone long enough to verify her identity and then have her give permission for them to discuss all her accounts with you "as she is not in good health". That way you'll get around lying about your identity. Dancer
My wife does that ("TALK TO MY HUSBAND...HE KNOWS ALL THE ANSWERS")...IT WORKS ALL THE TIME EXCEPT WITH THE "SAINT"~~~MR COOKE... She is a customer service rep/dispatcher so she talks on the phone 40+/- hours per week...(would you want to talk to anybody)???
The Telecheck letter is probably due to one or more bounced checks to a merchant. BofA does use ChexSystems and will report an account closed for cause.
Nightowl, It's 60 days, Dancer said "bump them" meaning BofA and that got me giggling, I might start using that phrase -- I was having visions of doing the bump with Dancer, LOL, you remember the song, Bertha Butt Boogie? He also said from notification which is the point. The bank considers your statement notification. George checked his statement from the bank, said 60 days from receipt. You could probably argue 5 days or so from the statement date to allow for mailing if you don't have the postmark. My bank statement says: "We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared." The specific laws are available at the links I provided earlier, the disclosures from the bank are a summary. Telecheck goes back to my rantings on the collection of checks, especially electronically! If they start putting those back though, your mom's going to have more returned checks and additional charges. There's regulations for that too, but that's not your immediate problem. That's why you have to look at your statement and find the debits that were made to the account from the merchant itself, the credit card processing company that put it through as a lump sum instead of as installments as agreed, and then to the other account at the same bank and you've got to certify each and every one of them as unauthorized or incorrect under penalty of perjury. Whoever posted about not having dual accounts at the same bank was good advice. Chexsystems = no checking accounts for 5 years and that's even IF you owe no money! Telecheck = IF BofA didn't close her account, no one that scans checks will accept them. I'd not run to the bank and tell them Sassy said, LOL, well maybe I would, but I've an anal quirk with having evidence too. You've so much at stake and with long-term implications too, please spend some time doing homework as dry as those regulations are to read, so you know just where you stand and what the process is you can expect. Sassy
That part will not be hard. Only one unauthorized debit. B of A Merchant Services, 2/07/02, for $430.00. That's it.
You have nooooooo idea..................... Dancer (1994 United Nations Forces Korea Electric Slide Champion), but that's not where I got the nickname....
