Hi Cheers,
I agree with Rosie, MITF, and Fish,
Its absolutely crazy,
I have had a few problems over the years with U.S. banks, mostly with overdrafts that were there error, and even once when it was my error, just overdrawn by a few dollars thats all on all occasions, and each time I was charged $25 to $35 overdraft fee depending on which bank it was, plus $5 per day for each day my account was overdrawn,
So just like you Cheers I would get pissed off, so I would immediately go into my branch and ask to talk to the manger ---- most of the time I only was able to talk to the Assistant Manager ---- cause the Manager was probably out playing golf
So I would always stand my ground and I would never back down, but of course I would be polite, and every single time they would reverse all the charges so I would say thank you, and I was happy, but then again I think they took into consideration that I had been many years banking with them, like between 10 to 15 years,
So go into your branch cheers ----- and make sure its the same branch as you opened your account at, I think that makes a little difference too, and ask to talk to the manager, and dont let the teller try and control the situation, as for all decisions like that they have to ask there manager anyway ------ so better to talk to manager right from the get go!!!!!!

I've been awake thinking about this. I talked to someone in the branch yesterday and she said she was the manager. It is a few bank employees, 3 at the most, in a small branch within a grocery supermarket.

After thinking about it I think there is a cover up. I talked to a call center and they wouldn't do anything. So next step........Get some names. Who did I talk to, to close my account? Start an investigation.

I will play the "senior card" if I have to. I will also contact the government agency that regulates the banking industry if necessary.

Cheers,

Did you not get a receipt or some paper stamped "account closed"?

You should have some kind of proof that you closed it. Also, do you bank online? That may help you in some way if you can print out your activity.

But I can tell you that this happened to me, but in a different way. I closed an account and had just returned some items to a store which I had purchased with the debit card attached to that account. They processed the refund and it automatically re-opened the account I just closed.

Your most important pieces of evidence will be:

1. Some sort of documentation, with date etc. showing that you did close the account

2. Documentation showing that you directed the insurance company to take the payment out of a different checking account beforeyou closed the other one. This is even more important I think, because this is what caused the problem, this payment going to the wrong bank. That company is actually at fault and you need to get them to admit it and they can even call your other bank or fax them telling them that it was their error.

Then you need to get the name and phone number of the District Manager for that bank branch, contact them and tell them what occured and they should take care of it. You should call that branch again, ask for the actual branch manager, not the assistant, ask for their name, and tell them that you want to speak to their DM. That manager may decide to fix your problem right then rather than get the DM involved. If you don't get anywhere with the manager, just call customer service and tell them that tou want to speak to the DM.They will likely take your name and number and have the DM call you back.


I hope this helps.

There is no hurry
I will go back to the branch and get some names of the people involved.
I may try to find an organization who represents seniors.
I will write to the CEO.
I will get the name of the government banking regulators

Cheers

No. But I have the proof that I withdrew all my funds to close the account.

I closed the account on Friday August 10. I notified the insurance agent on Tuesday August 14th. Unfortunately they, the agent, are slow to notify the insurance company. No matter, the bank account was closed.

Unfortunately, if something comes through to your account, even if you closed it, the bank automatically re-opens it. In a way, you were lucky that they paid it for you. I assume they did. If they didn't and the payment wasn't received by your insurance company, they might have canceled your policy.

The fault may be with the insurance agent or company. But with auto withdrawal payments you do have to give them a few days to switch the bank you want them to take it out of. They can't change it instantly.

Everything seems to favor business!
Someday they will consider the individual.
Some banks and credit unions bend over backwards for the customers some could careless.

You should call your insurance agent and tell him what happened. Tell him you expected that they would have changed the bank from which you wanted them to withdraw the payment right away. Perhaps he will reimburse you the overdraft fee or contact the bank and tell them that it was their fault and maybe the bank will reverse the fee.

You're welcome.

Sorry.
I'm working on this. I will keep you informed
Cheers

Does anyone have an iPad?
I have question about getting the Adobe Flash Pad?
cheers

Cheers, further to my email, I just checked and their is an app for RM, so that should solve your problem. good luck

OK
Sounds a little complicated ?
I don't feel comfortable with apps at this point. I will have to get my feet wet!
I love my iPad so far. It is the greatest!
I must admit I haven't used it much because I was afraid of it but I' m really into it this morning.
Cheers

Me too, I love my iPad, but hate,typing long replies on it. Google RM iPad app or got the app store on your iPad and download it. the app is free, but you will need to sign into your acct. it will prompt you along the way.