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Banking Issue

I Paid Macy’s But They Sent Me to Collections. – Matilda

Mature woman confused

“Dear Steve, In March 2013, I purchased $74.98 with a brand new Macy’s Star Rewards card. They sent a statement, I paid the full amount, on time, in their enclosed envelope. They claim they never got the check and pressured me to pay by credit card over the phone. Since they had called me, I declined. Then they sent me ... Read More »

Will I Be Able to Open Another Bank Account Because of My Bankruptcy? – Mary

Woman in home office with computer and paperwork frowning

“Dear Steve, I’m in the process of filing BK. I owe another bank money in overdraft fees and my present bank’s credit card is included, so I need to close that account also. I am not able to open an account at a regular bank becuz there part of a pay chex system in which the bank I owe money ... Read More »

Bank of America Charged Off My Account Even Though I Made a Payment. – Mac

Bank

“Dear Steve, Erroneous Chargeoff of Bank of America Credit Card $22,000.00 Bank of America gave me a deadline of 5PM 30 November to make a payment on my credit card or it would be charged off. I made the payment of $600.00 using Bank of America’s Online Billpay service on November 29, 2012. Because of an error in their system, ... Read More »

Our Bank Closed Our Account Without Any Notice. – Marcie

Combination lock detail

“Dear Steve, I’m behind a month and a half on my house payment. The bank is going to foreclose. The bank also closed our checking account without any notice. Can the bank just close our acount without notice? Is that legal? They are suppose to send our deposit to us in a certified check…but it’s been 6 days..and we have ... Read More »

My Bank Says if I Don’t Get My Personal Loan Current They Will Repo My Car. – Angelo

tow truck

“Dear Steve, I have both a personal loan and a car loan through my bank both loans are past due. if i payed the auto loan up to date can my car still get repoed for being past due on the personal loan (bank told me over the phone that both had to be up to date to stop the ... Read More »

A Debt Collector Says I Bounced a Check. But I’ve Never Written a Check. – Aly

nsf

“Dear Steve, searching for better approach. i was contacted by collections i believe and inform me that i owe money for bounce check. i told them i never used the account eve since i opend. hi,I believe i may have been scammed. I had a bank account that I never used and they called me once to tell me that ... Read More »

How Can I Protect Myself From Being Sued Over a Bounced Check? – Carl

Check - Bad

“Dear Steve, How to protect myself from being sued by a private out of state bank for a check I deposited into my account from an individual that bounced after I had already closed my account not knowing the check would bounce. I have no money or assets and am currently living with relatives on unemployment. Or what should I ... Read More »

My Husband Took Out a Loan Between Our Marriages. Am I Responsible? – Casey

Divorce papers and cash with misc items

“Dear Steve, My husband has loan in his bank. He made this loan after our marriage but my name wasn’t there. He did it by himself. And he has apartment lease balance also. only his name is in the lease and my name is just an occupant. I live in state of Maryland. Because he made the loans in between ... Read More »

Deer Hunting Accident Leads to Loss of Cattle and Husband Hit by Train. – Carla

deer_original

“Dear Steve, I was issued a credit card from Bank of America with a limit of $5000.00 inJune of 2007. I can’t remember the APR. We had just purchased 75 acres of land with a studio apartment & a horse barn already on the property. We lived in the 1 bedroom apartment for over a year with 3 daughters and ... Read More »

I Applied for a Mortgage With Great Western Bank in Idaho. I Think I Have Unauthorized Access In My Checking Account. – Dave

justball-144x125

“Dear Steve, i applied for a loan to buy a house with great western bank in eldora, iowa. i have poor credit from previous problems so the guy i was thinking of buying the house from was thinking of cosigning on the loan. i filled out my application and then he was going to fill his out, i don’t remember ... Read More »

Unauthorized access to bank account. – Miranda

justball-144x125

My account was debited by my then bank from my savings account to cover charges for my checking account that they closed after we had resolved the issue of overdraft fees and charges, well so it was communicated to me but they were planning another trap. My account went into overdraft on a Friday for the whole weekend until the ... Read More »

My Friend Was Scammed With a Check. – Jude

justball-144x125

“Dear Steve, I have a friend who thought he was doing business with an investor from London, a check was sent after months of many emails, he deposited the check into his account and had to send the investor money back in the area of 3,000.00 I had not known about this or I would have stopped him at that ... Read More »

I Had a Joint Checking Account With My Mother Who Passed Away. – Mark

justball-144x125

“Dear Steve, I had a joint checking account with my mother in 2006 and she passed away in December that year. There were some transactions (retirement checks) posted to the account from my father who passed away in 1996. but were reversed because of her death. This and the checking fees has caused the bank account to be overdrawn which ... Read More »

The Credit Card Protection Insurance is Not Paying the Bill. – Val

justball-144x125

“Dear Steve, Daughters situation-Married, aquired 11,000 in credit card debt 2 years ago. Making all payments 300.00 monthly and also fell for insurance which is supposed to pay if you are ho[pitalized or unable to work. She recently had baby, out of work 6 weeks no pay. The only help she gets for pay 112.00 a month for 2 years ... Read More »

I Tried to Open a Checking Account and the Bank Turned Me Down. – Ken

justball-144x125

“Dear Steve, Ok my credit started to get bad about 6 maybe 7 years ago with charge offs for credit cards. Lately I have had some recent things like medical etc. I just went to get a checking account and they refused me (Univest) and sent me email of why. In that email it stated that I have an equifax ... Read More »

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