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Has your bank closed your account for no apparent reason?

 
Anonymous Coward
User ID: 423253
04/26/2008 02:22 AM
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Has your bank closed your account for no apparent reason?
This has got to be one of the weirdest thing that ever happened to me. My bank just sent me a certified letter stating that all of my accounts will be closed out in approximately one week. This was a shock to me because I’ve been doing business with this bank for many years now. I’ve got sentimental feelings for this bank because this was the place that I opened my first bank account. Actually, my mother opened this account for me when I was still a minor. Yup, it was my first “kiddie” account. Of course, I immediately called the bank and demanded answers. I emphasized to them that I was a good customer for many years – never had a negative balance or anything derogatory. So why do they want to close my accounts after so many years? I still do not have the slightest idea. This was what the manager told me and it went something like this, “ After reviewing your accounts, we have decided that it would be in our best interest to close them down.” When I asked why, he simply said that he cannot disclose that to me. What the hell. What kind of shit is that? Now I have to waste my precious time rerouting all my bills and direct deposits to another bank. Has this ever happened to anybody else? Something sounds fishy.
Dale Gribble

User ID: 422386
United States
04/26/2008 02:50 AM
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Re: Has your bank closed your account for no apparent reason?
Sounds like you made the enemy combatants list! It's got me curious... was there a good amount in your accounts?
anonomous
User ID: 422631
United States
04/26/2008 02:56 AM
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Re: Has your bank closed your account for no apparent reason?
i wonder if low account balances are forcing bank to drop customers.or your bank may be folding...
speek
User ID: 423261
United States
04/26/2008 02:56 AM
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Re: Has your bank closed your account for no apparent reason?
Fuck em. Find a new bank or stuff your cash in a sock...My bank courted me like a horney teenager before I gave in and I only use them to cash or send checks.
C.
User ID: 409911
United States
04/26/2008 04:01 AM
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Re: Has your bank closed your account for no apparent reason?
Silly. Is your account in mom's name? Maybe that's why they don't want to give you info.

FDIC. They can't just take your money like that.
God knows they do it a million other ways, but they can't do that. Yet.
Anonymous Coward
User ID: 294313
Ireland
04/26/2008 04:13 AM
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Re: Has your bank closed your account for no apparent reason?
Banks are tools of the elite. Save your money in a mattress or buy gold with the cash.
Anonymous coward (OP) (OP)
User ID: 423253
04/26/2008 10:18 AM
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Re: Has your bank closed your account for no apparent reason?
Sounds like you made the enemy combatants list! It's got me curious... was there a good amount in your accounts?
 Quoting: Dale Gribble



I'm just one of those guys that's almost on the verge of living paycheck to paycheck. I don't ever recall when the sum of my accounts added to more than $6K at one time.
Anonymous Coward
User ID: 420967
United States
04/26/2008 10:24 AM
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Re: Has your bank closed your account for no apparent reason?
hmmm - my platium card account was closed, cause -they said-
of writeoffs on my history (from years ago)

soooo, I'm thinkin fuck em, I'll take -more- of my cash out
they didnt want to take my check, the girl said it was showing
up 'out of order' I showed her my check book and everything was IN ORDER and they gave me my cash...

things are gettin a bit weird in wonderland alice.
Anonymous Coward
User ID: 422947
United States
04/26/2008 10:25 AM
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Re: Has your bank closed your account for no apparent reason?
Can you name the bank?
Anonymous Coward
User ID: 423357
United Kingdom
04/26/2008 10:29 AM
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Re: Has your bank closed your account for no apparent reason?
we need to know what bank, the customer service sounds shitty.
if one of your accounts was a current account and the bank has changed the terms and conditions of holding such an account (ie. you must pay in $1500 a month minimum) that would explain. Your assertion that you are a good customer is wrong. banks love people who are always overdrawn, authorized or otherwise, because they get to charge interest and when a check bounces they get to charge you.
Anonymous Coward (OP)
User ID: 423253
04/26/2008 10:53 AM
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Re: Has your bank closed your account for no apparent reason?
Can you name the bank?
 Quoting: Anonymous Coward 422947

I would, but I’m too afraid of the negative repercussions that could possibly affect me if anybody from this bank pinpointed who posted this message. Today’s technology is SCARY!
Anonymous Coward
User ID: 410595
United States
04/26/2008 10:58 AM
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Re: Has your bank closed your account for no apparent reason?
Don't just switch to another bank. Find a good credit union and start using only credit unions. They do everything a bank does and more.
Anonymous Coward
User ID: 160240
United States
04/26/2008 10:59 AM
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Re: Has your bank closed your account for no apparent reason?
You NEED to tell us which bank it is in order to have any credibility here. How would your bank ever know about GLP?

Do us all the kind favor of telling us which bank might do the same thing to us next.

.
Anonymous Coward
User ID: 410595
United States
04/26/2008 11:00 AM
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Re: Has your bank closed your account for no apparent reason?
Keep enough in your credit union account for the automatic bill payments but take the rest in cash and keep it at home for awhile, till you figure out what is going on with the banking systems.
Anonymous Coward
User ID: 423398
United States
04/26/2008 11:02 AM
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Re: Has your bank closed your account for no apparent reason?
C'mon OP. Help us out here. If they are planning to shut down, let the people know so they can protect themselves!

Why bring this whole thing up...just to make us worry or something?
Anonymous Coward
User ID: 423398
United States
04/26/2008 11:04 AM
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Re: Has your bank closed your account for no apparent reason?
Keep enough in your credit union account for the automatic bill payments but take the rest in cash and keep it at home for awhile, till you figure out what is going on with the banking systems.
 Quoting: Anonymous Coward 410595


Good advice AC bump
MP3 Man
User ID: 9252786
United States
01/20/2012 10:28 PM
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Re: Has your bank closed your account for no apparent reason?
Banks can close your account for any reason they want. If you dont want to do business with someone you dont have to legally do so. The most common reason is that you pissed someone off at the bank and they couldnt legally back it up. So if they dont want to deal with you they will send you a BS letter in the mail and give you no reason whatsoever.

Provident Bank in NJ after 8 years of doing business with them, no overdrafts, no bounced checks, just cash in. Close my accounts for no reason. So effective Monday we instructed our employees that we are no longer depositing their pay checks in Provident Bank held accounts. That they had to obtain a different bank if they wanted direct deposit. So all my employees said they are clothing their accounts.

So Provident, you just lost 1.6 a year in business! Bye Bye!yoda
Anonymous Coward
User ID: 9244886
Australia
01/20/2012 10:52 PM
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Re: Has your bank closed your account for no apparent reason?
maybe that bank manager was actually doing you a big favour and giving you a chance to put your money somewhere safe before the bank goes bust
Anonymous Coward
User ID: 9222380
United States
01/20/2012 11:42 PM
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Re: Has your bank closed your account for no apparent reason?
Banks can close your account for any reason they want. If you dont want to do business with someone you dont have to legally do so. The most common reason is that you pissed someone off at the bank and they couldnt legally back it up. So if they dont want to deal with you they will send you a BS letter in the mail and give you no reason whatsoever.

Provident Bank in NJ after 8 years of doing business with them, no overdrafts, no bounced checks, just cash in. Close my accounts for no reason. So effective Monday we instructed our employees that we are no longer depositing their pay checks in Provident Bank held accounts. That they had to obtain a different bank if they wanted direct deposit. So all my employees said they are clothing their accounts.

So Provident, you just lost 1.6 a year in business! Bye Bye!yoda
 Quoting: MP3 Man 9252786


This thread was started in 2008.Are you the OP.
GODBLESSAMERICA
User ID: 41302945
United States
06/07/2013 03:01 PM
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Re: Has your bank closed your account for no apparent reason?
To whom it may concern;

To all the customers that was NOT given reasons of account closure: Please understand the following, the banks are mandated and controlled by the Federal government.

In order for a bank to maintain their license to lend money and stay in business they have to share and comply with all government regulations including the secrecy act (I can't tell you why I closed your account!)

Research more if you want about the secrecy act. When the government tap into your bank account in the middle of the night reviewing your incoming/outgoing funds from your account, banks has no control over it! never the less the banks has duty to report their beloved customers to the Federal Government about every transaction especially when it comes in a form of CASH/MONEY ORDERS/WIRE TRANSFERS/when your total deposits adds more than certain amount. Even if you buy property overseas the government will know and they will do their tapping if they so desire to your accounts! Your friendly bank teller indirectly is a government informant without his/her knowledge!

So if your account was closed because you are negative, swapping money between account (kitting) or writing bad checks that is a good reason. But if they close your account, your cousins account and the accounts of your friends, it is possible the other agencies are investigating your activity due to a routine check, suspicious activities, possibly fraud, IRS check, OFAC check, or other government entity. The bank has no control on whom the government check on, but to avoid headaches, the BANK closes your account and shows the government that they are in compliance!

Banks are afraid of FEDs and they will get rid of you with for NO reason given to avoid a headache. Good Luck! BIG BROTHER ALL OVER THE WORLD NOW AND YOU CAN'T STOP HIM!
josbone
User ID: 47063405
United States
09/18/2013 12:47 PM
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Re: Has your bank closed your account for no apparent reason?
This is just interesting. Pulaski bank did my wife this way. But no problem if you don't want to earn interest off my money, just put it elsewhere.
Gypsy Priest

User ID: 21193148
United States
09/18/2013 12:49 PM
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Re: Has your bank closed your account for no apparent reason?
You NEED to tell us which bank it is in order to have any credibility here. How would your bank ever know about GLP?

Do us all the kind favor of telling us which bank might do the same thing to us next.

.
 Quoting: Anonymous Coward 160240


Howaboutthis
********Get your facts first, then you can distort them as you please*******
Tiffany
User ID: 36153963
United States
05/07/2014 12:58 PM
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Re: Has your bank closed your account for no apparent reason?
This just happened to me today literally went to my bank made a 300$ deposit to pay online to my blue shield account went to pay and it said my account was unable to make the transaction payable I called the bank and they said ur account is restricted for no reason and we will send you and check for your money. I got NO letter and no past issues with this bank!!! The bank is CHASE I will be taking my business elsewhere since I deal with cash only all the time and they are no longer going to be a cash bank!!!! This is bullshit and I hope they disregard more ppl so they know what asswipe a they are.
Anonymous Coward
User ID: 57300700
United States
05/07/2014 01:38 PM
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Re: Has your bank closed your account for no apparent reason?
This just happened to me today literally went to my bank made a 300$ deposit to pay online to my blue shield account went to pay and it said my account was unable to make the transaction payable I called the bank and they said ur account is restricted for no reason and we will send you and check for your money. I got NO letter and no past issues with this bank!!! The bank is CHASE I will be taking my business elsewhere since I deal with cash only all the time and they are no longer going to be a cash bank!!!! This is bullshit and I hope they disregard more ppl so they know what asswipe a they are.
 Quoting: Tiffany 36153963


Chase is corrupt from the get go. They used to be for rich investors only(JP Morgan), and now they're possibly owned by Chinese entities. Regardless, they're front and center in the PM short corruption - especially silver.

Find a couple of credit unions for normal transactions - and make sure the account is free. If you need interstate or international access, avoid Chase, BOA, Citi especially.

'
ac
User ID: 49477882
United States
05/07/2014 01:52 PM
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Re: Has your bank closed your account for no apparent reason?
Actually the money you put in a bank belongs to them. It is considered
an unsecured loan, or credit to them.
Look at all the fine print they give you when you open an account.
This is why when the bail in happens you won't have a leg to stand on.
There have been court cases on this issue and the courts have ruled
in the banks favor.
I suggest a family owned bank in your community, or a credit union if
you can prove they don't have ties to the big banks.
And you should never keep more $ in the bank than you need to pay
your monthly bills.
If you are lucky enough to have a good chunk of $ in the bank take it
out and buy a hard asset. Land, metals or something tangilble.
Terrebonne
Pythagoras

User ID: 57554510
United States
05/07/2014 04:01 PM

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Re: Has your bank closed your account for no apparent reason?
This has got to be one of the weirdest thing that ever happened to me. My bank just sent me a certified letter stating that all of my accounts will be closed out in approximately one week. This was a shock to me because I’ve been doing business with this bank for many years now. I’ve got sentimental feelings for this bank because this was the place that I opened my first bank account. Actually, my mother opened this account for me when I was still a minor. Yup, it was my first “kiddie” account. Of course, I immediately called the bank and demanded answers. I emphasized to them that I was a good customer for many years – never had a negative balance or anything derogatory. So why do they want to close my accounts after so many years? I still do not have the slightest idea. This was what the manager told me and it went something like this, “ After reviewing your accounts, we have decided that it would be in our best interest to close them down.” When I asked why, he simply said that he cannot disclose that to me. What the hell. What kind of shit is that? Now I have to waste my precious time rerouting all my bills and direct deposits to another bank. Has this ever happened to anybody else? Something sounds fishy.
 Quoting: Anonymous Coward 423253



bump

Thread: The DOJ might be forcing banks to shut down legal businesses and punish employees

Last Edited by Terrebonne on 05/07/2014 04:05 PM
Anonymous Coward
User ID: 44682684
United States
06/02/2014 12:36 PM
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Re: Has your bank closed your account for no apparent reason?
Keep enough in your credit union account for the automatic bill payments but take the rest in cash and keep it at home for awhile, till you figure out what is going on with the banking systems.
 Quoting: Anonymous Coward 410595


Good advice AC bump
 Quoting: Anonymous Coward 423398


Keep enough in your credit union account for the automatic bill payments but take the rest in cash and keep it at home for awhile, till you figure out what is going on with the banking systems.
 Quoting: Anonymous Coward 410595


Good advice AC bump
 Quoting: Anonymous Coward 423398
Anonymous Coward
User ID: 58706948
United Kingdom
06/02/2014 12:44 PM
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Re: Has your bank closed your account for no apparent reason?
This has got to be one of the weirdest thing that ever happened to me. My bank just sent me a certified letter stating that all of my accounts will be closed out in approximately one week. This was a shock to me because I’ve been doing business with this bank for many years now. I’ve got sentimental feelings for this bank because this was the place that I opened my first bank account. Actually, my mother opened this account for me when I was still a minor. Yup, it was my first “kiddie” account. Of course, I immediately called the bank and demanded answers. I emphasized to them that I was a good customer for many years – never had a negative balance or anything derogatory. So why do they want to close my accounts after so many years? I still do not have the slightest idea. This was what the manager told me and it went something like this, “ After reviewing your accounts, we have decided that it would be in our best interest to close them down.” When I asked why, he simply said that he cannot disclose that to me. What the hell. What kind of shit is that? Now I have to waste my precious time rerouting all my bills and direct deposits to another bank. Has this ever happened to anybody else? Something sounds fishy.
 Quoting: Anonymous Coward 423253


Happened to me 2 years ago.
I went to draw money out and they could not find my account. It had been closed and the money in it gone too.

They explained that if a bank does not find an account to be a worthwhile investment, then they will close it.

When i legally tried to obtain the money, I was told by my solicitor that we could try going through the court system, but legally, a bank can take any amount of money from your account.
In the small print it basically says that when you put money into your account, it becomes the money of the banks. You agree to this when you have an account. They are providing you with a service. You are agreeing for them to take charge of your finances and what they say goes.

The only reason the dont do it more openly is because if everyone knew, then noone would use a bank anymore.

I eventually got the money back, but it was a struggle.
Phillip / Ft lauderdale
User ID: 61091032
United States
08/02/2014 03:08 PM
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Re: Has your bank closed your account for no apparent reason?
My Bank closed my accounts, I have 6 figures in 3 accounts, 18 years, never a bounce, My childrens college funds were started there. My savings , personal and buisness. mgr. was a freind, our kids play little league together, Nothing no readon. REGIONS BANK, They baught Union Planters 10 years ago, I started with them 10n years earlier, CANNOT GIVE ME A REASON. bump

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