scripta said:theficus said:scripta said:I read most of the thread and I haven't seen it mentioned yet -- I think it's a good idea to not deposit credit card convenience checks to a bank account at the same institution. Especially since one of the reasons given (even if completely bogus) to ficus was something about not liking their convenience checks deposited.
The convenience checks I deposited were from Chase and Citibank. The balance transfer from my Bank of America credit card was, at the suggestion of the CSR, deposited directly to my account! He practically begged me to take the balance transfer.By convenience checks I also meant balance transfers (they're usually in the same category). He may have begged you to take it out, but he didn't tell you to put it in your bofa account, did he? You could have given him a different bank's account number for the deposit.

This a VERY NORMAL thing for a BoA CSR to do.... and a perfectly acceptable practice under their terms and conditions.... trust me, I have done it SEVERAL times!

The last time, I told the CSR I wanted to pay off 4 credit cards... he suggested moving CL's from several cards, in order to create a GIANT CL Card.... then he proceeded to pay ONE of the 4 cards I wanted to pay off, and put enough money for the other 3 cards DIRECTLY INTO my BoA checking account.... then he waived the BT fee for the money going into my Checking account (I paid the lesser fee, for the BT to the one credit card). MORE than $20,000 transferred into my checking.... which was used to billpay 3 credit cards within the week!

No fraud department involved, no problems!

But UNLIKE OP, I have been a customer there for NEARLY 20 years.... and I LOVE BoA!!!

TanItAll said:theficus said:
I'm even more upset because the final lady I spoke to called me a racial slur (I won't reveal what because I don't want to reveal personal information). I have a strong feeling I'm being targeted because of my name and ethnicity. I don't think I would have had this problem if my name was "Ted Stevens" or something more vanilla sounding. What do you guys think? What is my next course of action?

EDIT: Before anyone asks, yes, I'm a US citizen (natural born) and yes, I provided Bank of America with entirely accurate personal information.

I heard a tape recorder does wonders, especially in court. Just get the rep's name, and record the time you called and hung up with them. I guess this would alos be a good time to start reading up on the latest discrimination laws in place, especially with banks that are federally insured...

telling you that they can't help you is one thing, but to include racial slurs and crap like that, that's a whole new thing...

Ended up having to sue insurance co because they denied claims (extremely large amount). When I was dealing with them on the phone I had started recording all my conversations at the time to help me keep things straight (pre approvals, medical appts, which doc when, etc) The lawyer said it was because of these recorded conversations with ins that he took my case and ultimately why they settled paying all the bills and then much more. Any yes he took it on contingency because he was sure after hearing the tapes we would win. It may be hard to believe what some people may say on the phone (lawyer said he would never believe they said what they did if it had only been my word) but can't dispute a tape.

oops wrong thread.

The government froze your accounts. Are you wiring funds to Muslim Charity's?

الحكومة تجمد حساباتك. هل انت الاسلاك الى صناديق خيريه للمسل

Call Homeland Security!

Boxcutter said:Are you on the NO FLY LIST op?
Are you retarded?

Boxcutter said:الموت لبنك امريكا

الله اكبرموكالبنك I'm kidding, guys. I'm just copying characters.

Sorry to hear about all your troubles, theficus.

It seems that depositing convenience checks raised some flags (a lot of banks do not like them due to higher chance of fraud). Did you deposit them via ATM?

It is likely that your name triggered additional alerts (perhaps it is similar to a name on OFAK list, as was suggested earlier). The rest, though, was probably a human error. I doubt that all your accounts were cancelled automatically. I also doubt that what you refer to as 'racial slur' was part of computer-generated script for the CSRs. However, you have no evidence that your ethnicity was a factor in the decision to close your accounts.

I would still consult an attorney and, if it turned out that the case does not stand a chance in court, I would at least contact the media.

The CSRs from Risk Management with whom you spoke could not distinguish external transfers (Discover) from transfers into your brokerage account (BAI) because they are not investigating your activity. They are trying to prevent losses. Most of them probably do not even know that BAI exists.

You wrote in this thread that you are Muslim. I was under the impression that Islam prohibits collecting interest (e.g. from CDs)?

When I had some fraud problems, my bank put a temporary freeze on as well. The first thing they told me to do was to contact the police and tell them my story - which I did. (Nothing came of it but at least my report was on file.)

Bank of America = Worst bank policy, worst customer service and worst fee's.

Why would you put your money in such a shitty insitution?