+ Reply to Thread
Results 1 to 3 of 3
  1. #1
    qadria is offline Junior Member
    Join Date
    Apr 2009
    Posts
    1

    Question Locked out of my account at Bank of America

    What is the name of your state (only U.S. law)? Maryland
    I owed Bank of america some money for overdrafts (nfs) for a few months. When I received funds to cover the exhorbitant fees i.e., $35.00 for a 6.95 overdraft (not that I had not applied for overdraft protection and was denied) I deposited a check in my savings account as I was told they had closed the checking account. My bankcard issued by them, was still valid and useable. I indicated I wanted to pay off what I owed, deposit something intothe checking account -which another person (in their customer service dpt) had told me on the phone was very possible as the account was only recently closed- and was told again, that the account was closed and they did not have access to it. In any case I agreed ot let the check clear then return. When I did that and was ready to pay-up and deposit into the checking account I was told I had to open a new one; or rather, remembering that I had been told by another that they could indeed access the account, the representative called and then told me I would have to open an new chkng acct. Ok, I agreed and was asked for ID. I initially gave them the bankcard issued to me with my face on it and was asked for more. I presented the only ID I had which was my driver's license which had expired. Same face, mind you, same ss#. I was then told that I could not open a new account as I did not have valid ID. I then said I wanted to pay what I owed and close out the account. I was told I could not withdraw (my own money) because/unless I presented valid ID. The hagglign went on for over an hour and the rep called her superior to whom I spoke with only to be told the same. Calls were made the manager lied to his superior on the phone and I was briskly asked to leave in so many words while being remanded that I could not absolutely not, get money out of my own account nor could I close the account. Is this legal?
  2. #2
    Antigone* is offline Senior Member
    Join Date
    Dec 2007
    Location
    In honor of JetX ~ Somnambulist University
    Posts
    21,220
    Quote Originally Posted by qadria View Post
    What is the name of your state (only U.S. law)? Maryland
    I owed Bank of america some money for overdrafts (nfs) for a few months. When I received funds to cover the exhorbitant fees i.e., $35.00 for a 6.95 overdraft (not that I had not applied for overdraft protection and was denied) I deposited a check in my savings account as I was told they had closed the checking account. My bankcard issued by them, was still valid and useable. I indicated I wanted to pay off what I owed, deposit something intothe checking account -which another person (in their customer service dpt) had told me on the phone was very possible as the account was only recently closed- and was told again, that the account was closed and they did not have access to it. In any case I agreed ot let the check clear then return. When I did that and was ready to pay-up and deposit into the checking account I was told I had to open a new one; or rather, remembering that I had been told by another that they could indeed access the account, the representative called and then told me I would have to open an new chkng acct. Ok, I agreed and was asked for ID. I initially gave them the bankcard issued to me with my face on it and was asked for more. I presented the only ID I had which was my driver's license which had expired. Same face, mind you, same ss#. I was then told that I could not open a new account as I did not have valid ID. I then said I wanted to pay what I owed and close out the account. I was told I could not withdraw (my own money) because/unless I presented valid ID. The hagglign went on for over an hour and the rep called her superior to whom I spoke with only to be told the same. Calls were made the manager lied to his superior on the phone and I was briskly asked to leave in so many words while being remanded that I could not absolutely not, get money out of my own account nor could I close the account. Is this legal?
    Well, if you owe the bank money from one account. It appears to me that they will soon enough use the funds in the account that is active to pay the OD account. Your OD account, if closed by the systems, has gone to their recovery unit. It might be a week or two, but I'm sure you will get a letter asking you to please come take the remaining funds and close the account. When you do get that letter, please make sure you have valid ID ~ an expired driver's license is not valid.
  3. #3
    Zigner is offline Senior Member
    Join Date
    Jan 2005
    Location
    California
    Posts
    54,349
    You need to get a state issued ID. Or, a passport, etc.

    What other type of ID would the bank accept?

Similar Threads

  1. Bank of America sent me checks with the wrong account number?
    By eyelovegsus in forum Banking & Credit Cards
    Replies: 5
    Last Post: 12-25-2008, 06:29 PM
  2. Locked Bank Account
    By dgb43 in forum Debt Collections
    Replies: 2
    Last Post: 10-29-2008, 01:57 PM
  3. Bank of America - HELP!!
    By flume in forum Banking & Credit Cards
    Replies: 17
    Last Post: 07-11-2008, 10:42 AM
  4. Bank of America Merchant Account
    By Kurt9 in forum Banking & Credit Cards
    Replies: 2
    Last Post: 12-30-2005, 05:31 PM
  5. Garnishment/ Locked Bank Account
    By hawk1400 in forum Debt Collections
    Replies: 3
    Last Post: 07-18-2005, 05:32 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

© 1995-2012 Advice Company, All Rights Reserved

FreeAdvice® has been providing millions of consumers with outstanding advice, free, since 1995. While not a substitute for personal advice from a licensed professional, it is available AS IS, subject to our Disclaimer and Terms & Conditions Of Use.