Ok need a federal court update.

Still in Afganistan?

Great job documenting...problem is Banks all over are seizing high net worth accounts and thats when you discover you are powerless to do much. You will sue and when and may get your NSF money back but you won't see much in TORT. The banks know this fact. Add several zero's to your acct and you would be in my position both Internationally and Domestic. Banks don't want their High net worth clients moving banks right now for any reason. These funds were legally gotten gains and I'm just a good old fashion white country boy. I have government clearances and have never been arrested or have filed or been filed on for a lawsuit. The Banks just seized the accounts and said "That account never existed." "Prove it" or "Sue us". "We'll still have your money for 3 years."

well it seems like I am not the only person with the B of A Risk Management problem. You need to call Early Warning Services at 800-745-1560 their web site URL is early-warning.com. When you call them you need to be persistent otherwise they will send you a form that you will need to fill out and they will review it which takes 30+ days. If you are persistent and telll them to e-mail you the form you can fill it out then fax it back and get back on the phone and continue to check they will eventually work with you. if you take these steps which is only the beginning Early Warning Services will e-mail you your Consumer Report and that will tell you who reported you and why. This process is not easy and you must be persistent if not dont bother you will end up wasting your time.

Interesting side note Early Warning Services is wholly owned by B of A, JPMC/WaMu, Citi Bank, you get the message.

JHBC said:I was just told my accountns where in the process of being closed by BOA. They put ahold on my account (direct deposit)they deducted $360.00 dlls after a deposit was made in the amount of $1,442.00 I was overdraw and unable to repay for month and a few days. now they are telling me to waith for a closing date 10 to 15 days to return my balance and to find out if they are going to reportme to checksystem, if they reportme they said I would not be able to reopen another checking account with any US bank for the next 5 yrs. Is that true?? Please advice>
google creditboards.com

Love the sue first option. I'm sure the huge legal department of Bank Of America just allows accounts to be frozen for no reason and open themselves up to lawsuits. For whatever reason BoA did this I'm sure they have their butts covered
Yes, sue first. The huge legal department at BOA is likely busy trying to handle the much larger issues of MBNA, Merril, Countrywide, etc...

Banks make mistakes all the time, but rely on passive consumers like yourself to just sit back and take it without even a fight.

Lawsuits don't complicate this, it makes it much simpler and gets the appropriate attention lickity split.

Hi, the smae thing jsut happend to me, I went into my local branch they said that within 24 hours I could call back and they would tell me when they would mail me a cashiers check with my money, after they clsoed my account for no reason just like you. I thought my money was safe tehre but i guess we have to go back to old days hiding our money in the mattress!!!

The problem is because of the App-O Rama, that activity is borderline illegal, and a form of 'gaming' the system.OP is like a 'card counter' that got caught in a casino.Best thing to do is NOT to argue just head out the door.

Kingofthenet said:The problem is because of the App-O Rama, that activity is borderline illegal, and a form of 'gaming' the system.OP is like a 'card counter' that got caught in a casino.Best thing to do is NOT to argue just head out the door.
Please be specific about what laws an AOR "borderline" breaks.

What the hell Kingofthenet, go troll elsewhere, you kind isn't welcome here.