For all the BOA haters

[nhgunnut]

Check this out
http://abcnews.go.com/Business/story?id=8092013&page=1

[Homeslice]

BOA can SAC. I picked up a money order from them, and later I decided I wasn't going to use it, so I returned it and told them to put it back into my acct. Well they tore it up instead of putting it back into my account, so now there is $800 missing from my acct and they are acting like I have to prove the MO even existed.

[z06boy]

Lying government fvcks. Surprise surprise. I knew Lewis was telling the truth from the beginning. It's the same way with the initial TARP funds...BOA didn't want them but were pressured on that deal too.

I am glad to hear them admit it though.

BOA can SAC. I picked up a money order from them, and later I decided I wasn't going to use it, so I returned it and told them to put it back into my acct. Well they tore it up instead of putting it back into my account, so now there is $800 missing from my acct and they are acting like I have to prove the MO even existed.

So you left with no receipt or deposit slip ?

[pauldun170]

Lying government fvcks. Surprise surprise. I knew Lewis was telling the truth from the beginning. It's the same way with the initial TARP funds...BOA didn't want them but were pressured on that deal too.

I am glad to hear them admit it though.



So you left with no reciept or deposit slip ?

Peel-us uno

[z06boy]

Peel-us uno

Ok it still early and this went over my head...even with my spiked buzz cut. :lol

I did edit my spelling of receipt though. :lol:

[Homeslice]

So you left with no receipt or deposit slip ?

I gave all that back to them, and one of the tellers tore it up.

[pauldun170]

I gave all that back to them, and one of the tellers tore it up.

You deposited a money order back to your account...
They gave you a receipt
You gave it back to them
they tore it up


Your story makes no sense.

[Homeslice]

You deposited a money order back to your account...
They gave you a receipt
You gave it back to them
they tore it up


Your story makes no sense.

Reading is fundamental.
1) I never deposited anything back into my account, I TOLD them to do that.
2) They didn't give me a receipt for depositing it back, they gave me a receipt for buying the MO in the first place. Totally different. And that's what they tore up (along w/the MO itself) when I asked them to put it back into my acct. So now they're acting like it's my responsibility to track it down so they can put it back into my acct.

[z06boy]

I've done this before at BOA and got receipts. Initially when I got the MO I had a receipt showing the withdrawel of funds from my account...actually it was a copy of a countercheck I filled out right then. I then got a receipt showing the deposit of funds back into my account.

You just walked in and asked for a MO and to take it from one of your accounts and they gave you no receipt for the withdrawel or did you write a check on your account ?

[pauldun170]

Reading is fundamental.
1) I never deposited anything back into my account, I TOLD them to do that.
2) They didn't give me a receipt for depositing it back, they gave me a receipt for buying the MO in the first place. Totally different. And that's what they tore up (along w/the MO itself) when I asked them to put it back into my acct. So now they're acting like it's my responsibility to track it down so they can put it back into my acct.

1. I didn't know BOA offered Money Orders in California. I thought it was Cashier Checks only

2. Aren't most Bank issued Money Orders treated as a check so you can have them issue a stop on it. They will have it in the system that you took a money order for $800. Just have the teller issue a stop on it.

3. Ask to see the bank manager. Explain the situation

4. Slap yourself with a wiffle ball bat 8 times for walking out of a bank and not getting a receipt for your transaction.

[Homeslice]

I walked in, got the MO, and yes it had a carbon receipt, but I gave all that back to them a couple weeks later when I told them to cancel it and put it back into my acct. They tore it all up instead.

[pauldun170]

I walked in, got the MO, and yes it had a carbon receipt, but I gave all that back to them a couple weeks later when I told them to cancel it and put it back into my acct. They tore it all up instead.

This was in California? (some states have different regs and procedures)

[Homeslice]

Aren't most Bank issued Money Orders treated as a check so you can have them issue a stop on it. They will have it in the system that you took a money order for $800. Just have the teller issue a stop on it.
.

They need a "check #" to do that. And unlike personal checks, that number isn't provided on my statement. So they're acting like it's some big involved process to track it down, because supposedly only their HQ would know it.

This was in California? (some states have different regs and procedures)

Yes. BTW I dont' know the diff between a casheirs check and an MO.........It had the pay to already written out.

[pauldun170]

They need a "check #" to do that. And unlike personal checks, that number isn't provided on my statement. So they're acting like it's some big involved process to track it down, because supposedly only their HQ would know it.



Yes. BTW I dont' know the diff between a casheirs check and an MO.........It had the pay to already written out.

Bullshit...go to any branch and have them bring up your account activity.

[pauldun170]

They need a "check #" to do that. And unlike personal checks, that number isn't provided on my statement. So they're acting like it's some big involved process to track it down, because supposedly only their HQ would know it.



Yes. BTW I dont' know the diff between a casheirs check and an MO.........It had the pay to already written out.

I'm pretty sure that BOA California doesn't offer MO and does the Cashier Check thing

Sign in to online banking and pull the record.

[z06boy]

They will get it straightened out...hopefully the teller isn't being dishonest.

Sux that you are without your funds...maybe they can issue a provisional credit until they get it sorted ?

[the chi]

Reading is fundamental.
1) I never deposited anything back into my account, I TOLD them to do that.
2) They didn't give me a receipt for depositing it back, they gave me a receipt for buying the MO in the first place. Totally different. And that's what they tore up (along w/the MO itself) when I asked them to put it back into my acct. So now they're acting like it's my responsibility to track it down so they can put it back into my acct.


1) Sweetie, you cant TELL a bank teller to do anything. You have to give them a deposit slip or something in the course of a transaction or you arent doing a transaction, handing them an MO and telling them to do it does not gurantee it made it, and the teller should have told you this.

2)If you didnt get a receipt and they just tore it up, then it was never deposited and they destroyed a cash item and you have no recourse unless you remember the teller, the day and the time and they MAYBE can look at video records.

I was in banking for years. You dont just tear something up. You shred receipts, and if someone is depositing a money order, even one from their own account, you must have a deposit slip AND the item for deposit. Fundamental banking.

It is your responsibility to contact the teller line supervisor or customer service manager at the location you did this, explain the withdrawal and then the "tearing up" scenario (which any teller in their right mind would NEVER do), give them the date you were there originally (found by your w/d), and tell them you purchased the money order with the funds. They can then compare their records of sales of MO (which are closely monitored due to banking laws) and they should be able to issue a stop on the MO, and after charging you the stop fee, they can recredit your account.


BOA does suck ass BTW.

[Homeslice]

Again, I DID get a receipt. It's a carbon copy of the cashiers check. I took both that and the check itself to the desk, told them I decided not to use it, and that they should put the funds back into my account. The teller took it and tore it up right in front of me. At the time I was too stupid to realize this was a problem. I thought she was doing something in her computer to credit the funds back into my acct. I was wrong.

BTW, if I log into my acct, all it shows is the deduction of $800 from my acct on such and such date. There is NO check number listed for it, like there normally is. Even the branch says they can't pull up the check number, and that only HQ can do that. So they're telling me to fill out paperwork to have the HQ do some sort of "investigation"

[Tmall]

Owned!

[Homeslice]

Owned!

:lol:

[the chi]

Again, I DID get a receipt. It's a carbon copy of the cashiers check. I took both that and the check itself to the desk, told them I decided not to use it, and that they should put the funds back into my account. The teller took it and tore it up right in front of me. At the time I was too stupid to realize this was a problem. I thought she was doing something in her computer to credit the funds back into my acct. I was wrong.

BTW, if I log into my acct, all it shows is the deduction of $800 from my acct on such and such date. There is NO check number listed for it, like there normally is. Even the branch says they can't pull up the check number, and that only HQ can do that. So they're telling me to fill out paperwork to have the HQ do some sort of "investigation"

No silly. A receipt for the deposit. No receipt, no deposit. You dont really think they can just throw it on back in your account without paperwork do you?? :skep:

As for a w/d having a number, on your end it wont, probably shows up as cashed debit or something right? It wasnt a check, it was a bank withdrawal slip, thus no check number. On THEIR end, they can track through the tellers records the transaction she ran for both your W/D AND your MO.

As for them requesting you fill out the form, its quite possible if they are on an electronic system they cant pull the records. Fill out the form as they request and they can use the date and time info from your withdrawal to see where they gave you the MO. THEN, they can track it through their system, find the MO number issued in conjunction with that $800 withdrawal, as they all have a number, and then check to see if its cleared. Some banks make you wait a certain amount of time to make sure the item hasnt cleared (sometimes 30 days) but usually they can get it all taken care of for you within 14-30 days. Stop pay on the MO, and a refund back to you.

PITA all around for all parties, but its not impossible and they should be trying to help you. Thats why BOA sucks, they forget they are there for YOU.

[Homeslice]

No silly. A receipt for the deposit. No receipt, no deposit. You dont really think they can just throw it on back in your account without paperwork do you?? :skep:
.

What deposit? You mean when they credit it back to my account? I never expected to get a paper receipt for that. Technically nothing was withdrawn from my account, they just put a hold on that money. So, all they really have to do is "unlock" that hold.......

[z06boy]

So the government guys were lying and the BOA CEO wasn't...oh yeah...that was the topic...almost forgot. :lol

[shmike]

So the government guys were lying and the BOA CEO wasn't...oh yeah...that was the topic...almost forgot. :lol

Wrong thread.

I'm pretty sure this was about 'slice's money order and Rider's mortgage.

[Homeslice]

I have an MBNA Visa card.

MBNA is now BOA.

I don't use it.

Same here, and they tried to send me a letter saying my credit limit has been cut in half due to "relative inactivity" :rolleyes:

Not like I needed it anyway

[the chi]

What deposit? You mean when they credit it back to my account? I never expected to get a paper receipt for that. Technically nothing was withdrawn from my account, they just put a hold on that money. So, all they really have to do is "unlock" that hold.......

If thats how they are doing it, then theres your problem. :lol:

A bank will not issue someone a Money order or cashiers check without taking it from their account or being handed the cash for it.

They hand you a piece of paper issued with funds that came from your account.

There is no "hold" on the funds, it was a total withdrawal.

(You cant buy a money order or cashiers check without having cleared and collected funds in your account, meaning that if you deposited a check for $100 from your mom, the same day you bought your money order, unless you and your mom bank at the same place, you cant use those funds for your cashiers check or money order.)

The funds that came out of your account went into an account called a General Ledger account, that is dedicated to Money orders and they issued you a Money order based on the funds they took from your account and placed into the General Ledger. Its an organized system of checks and balances. They cant just issue a Money order without having some form of funding for it, and a "hold" is something completely different than a withdrawal.

I dont know how to make it any clearer, but if you had a legitimate Money order or cashiers check, a withdrawal was made, not a "hold" and the moment the funds were removed from your account they were moved elsewhere to "pay" for that money order they handed you. Theres no "hold" to be released. The money was withdrawn. It was used to pay for the money order your dingy teller tore up.

Sounds like you and your teller need some educating on how it works, especially if she just "tore up" a money order. Thats like tearing up a $100.00 bill. Make sure to be nice to your banker if you are trying to get this cleared up, when you dont understand what you are arguing about and are simply insisting they do something they cant, its not conducive to getting their help.

[Homeslice]

OK, well yeah, a "withdrawal" was made. All I'm saying is that I didn't expect to receive a receipt for the reversal of that withdrawal.......Which is why I didn't think anything was unusual when I wasn't given one.

[the chi]

OK, well yeah, a "withdrawal" was made. All I'm saying is that I didn't expect to receive a receipt for the reversal of that withdrawal.......Which is why I didn't think anything was unusual when I wasn't given one.


Homegirl at the bank needs some SERIOUS training. What she did is a write up-able offense requiring a need for a retrain. Talk to the manager, fill out the form, if they arent interested in helping you at the local level, take it up a notch and call the district folks or even an auditor, as I "hear" :wink: auditors LOOOOOOVE to catch branch folks not going by the book.

[pauldun170]

OK, well yeah, a "withdrawal" was made. All I'm saying is that I didn't expect to receive a receipt for the reversal of that withdrawal.......Which is why I didn't think anything was unusual when I wasn't given one.

When I go to the bank they give me a receipt for sneezing.

[Homeslice]

I like how they now have "greeters" who insist on knowing what you're there for.

[HurricaneHeather]

I like how they now have "greeters" who insist on knowing what you're there for.

I don't know why but those people just piss me off. :lol:

[Homeslice]

Wrong thread.

I'm pretty sure this was about 'slice's money order and Rider's mortgage.

It's my world, the rest of you just live in it.

[pauldun170]

It's my world, the rest of you just live in it.

Shouldn't it be "live on it"


We're not goddamn cave dwellers up in this piece...
(ghetto talk for the day...quoto met)

[Homeslice]

Shouldn't it be "live on it"


We're not goddamn cave dwellers up in this piece...
(ghetto talk for the day...quoto met)

I believe that's "up in this mug"

[Smittie61984]

I like how they now have "greeters" who insist on knowing what you're there for.

Fucking greeters piss me off more than anything. I drowned my phone last monday and had to go to the Verizon tech desk to see if it was fixable (negative on that) and they put some hot ass black chick up front to calm everyone down. She was dumb as a busted brick but everyone remained calm. Except me, I was beyond pissed period.

Anyways I had BOA once and I hated their guts. BOA has a history of fucking people over too.

But if BOA doesn't want to merge with another company I don't think the government should have any say in it, and whatever government hack pressured them into it via threatening with the policing powers of government should be lined up on a brick wall and shot in the back of a head with a low powered BB gun until dead.

[Homeslice]

Homeslice are you retarded? LOL ...You gave the teller a money order that had someone elses name on it, handed to the teller, she tore it up and you expect it to magically appear in your account? lol....How did she even know it was you or which account to put the money back into? Did you swipe ur debit card or fill out a deposit form? I mean how the hell does she know you or your account number? I'm pretty sure that info is not on the check number of the money order.

Cuz I swiped my ATM card........standard procedure, holmes.

[Trip]

I cleaned it up to get rid of a lot of the dumb shit. I think we probably all need a cool down lap, myself included. Either that or we all really need to get laid, I KNOW I DO! Course that hardly ever changes even when I do get some.

[derf]

http://thechive.com/wp-content/uploads/2009/07/random-zebra-runway-7.jpg

[Tmall]

Ok guys.. Seriously..
Slice claimes "owned" when the mail man knocks on somebody's door..

And you guys have taken two of my owneds out of this thread where its never been more appropriate..


I'm a little disappointed in the inability allowed to me to scream owned because he basically have away 800 dollars..


Now.. With that being said...


Owned!

[zer0t]

1. I didn't know BOA offered Money Orders in California. I thought it was Cashier Checks only

2. Aren't most Bank issued Money Orders treated as a check so you can have them issue a stop on it. They will have it in the system that you took a money order for $800. Just have the teller issue a stop on it.

3. Ask to see the bank manager. Explain the situation

4. Slap yourself with a wiffle ball bat 8 times for walking out of a bank and not getting a receipt for your transaction.

A money order is similar to a certified or bank check. The funds are guaranteed. This means the funds are immediately removed from the account and placed in the institutions DDA account. A money order is not a check drawn on your account and neither is a certified check. The instructions any teller should give you is that if you do not use the check (or money order) you need to redeposit them. You cannot stop payment on a MO or a certified check. They are intended to protect the receiver of the check or money order against insufficient funds or a stop payment.

In short they cannot be canceled or torn up.

[zer0t]

What deposit? You mean when they credit it back to my account? I never expected to get a paper receipt for that. Technically nothing was withdrawn from my account, they just put a hold on that money. So, all they really have to do is "unlock" that hold.......

When you purchase a money order from any bank the funds are withdrawn from your account. If you purchased it at a 7-11 or a post office you would have to present the funds in cash to receive the MO. This is how the payment is guaranteed.

[z06boy]

I cleaned it up to get rid of a lot of the dumb shit. I think we probably all need a cool down lap, myself included. Either that or we all really need to get laid, I KNOW I DO! Course that hardly ever changes even when I do get some.

Crap...missed some drama.

BOA earnings beat expectations...good for them. They've got $$ to pay back a good chunk of theTARP funds too but oh that's right...the government has to approve the payback. Talk about wanting control.

[shmike]

BOA earnings beat expectations...good for them. They've got $$ to pay back a good chunk of theTARP funds too but oh that's right...the government has to approve the payback. Talk about wanting control.

I'm torn on this.

The "official story" for needing approval for payback is that the government doesn't want the banks to spread themselves too thin by repaying the funds.

By doing so, the first bump in the road could send them scurrying back to Uncle Sam for more handouts.

It's not about control of the banks but making sure they are able to stand on their own two feet before letting them run off on their own.

That is the explanation as I understand it, whether or not you believe it is another matter. :idk:

[z06boy]

I'm torn on this.

The "official story" for needing approval for payback is that the government doesn't want the banks to spread themselves too thin by repaying the funds.

By doing so, the first bump in the road could send them scurrying back to Uncle Sam for more handouts.

It's not about control of the banks but making sure they are able to stand on their own two feet before letting them run off on their own.

That is the explanation as I understand it, whether or not you believe it is another matter. :idk:

Sure that's the "official story" but no I don't believe it because it's BS. :lol:

BOA was told to raise a certain about of capital...they did...the amount was reconsidered and increased...they have that on hand now...still a hold up for some reason...humm...

[Tmall]

Actually, I sent an 800cdn money order a short while ago.


I could cancel or challenge it after 90 days. That was written on the back and told to me by the clerk who sold me it.