I recieve a check for 9850.00 from nevada rae gold, deposit it in my bank of america account, check came back closed account, bank of america then closed my account stating that I was a high risk, now I can not get a checking account for my direct deposit from my job, due to bank of america closing my account for being a high risk. How else could you know if the check was good, they put a hold on it until it could be determined if it was or bad. This is totally wrong, should I file a complaint with the banking commission? Or does someone else have a suggestion, can I sue for discrimination? Need help, company may decide that I have to much drama in my life.
2007-01-18 23:24:36 · 8 answers · asked by Anonymous in Business & Finance ➔ Renting & Real Estate
You can't sue for discrimination- you weren't discriminated against. CALL the bank tomorrow and ask them to explain what is going on.
They may have closed your account as a precautionary because someone has stolen your identity. The check you sent it - may have been a bad check (thats not a check you just got from the mail from someone you know...right?) If you, in turn, wrote a bunch of non-sufficient funds checks (hot checks) thinking the money was good and they all bounced, that could make you high-risk. If it turns out that the check that you got should have been good and it bounced, you can file criminal charges against Navada Rare Gold or sue for civil damages. If you file criminal charges, you could be eligible for funding through the crime victim's act (if your state has one).
Of course, if you wrote bad checks before making sure the other check was good and the money was in your account, then YOU are responsible and considered at fault for any hot checks you wrote. Writing checks without making sure that there is money to cover them in the bank (not on the way to the bank) is another reason why they may have considered you "high risk".
Again, call them tomorrow and find out what is going on. Make sure you find out about any bounced checks you may have and take care of them immediately so you don't get arrested!
2007-01-18 23:36:53 · answer #1 · answered by slaughter114 4 · 3⤊ 0⤋
You weren't "discriminated" against. You deposited a very large check that was drawn on a closed account, and that combined with other things (like your average daily balance and other account activity) made the banks decision an easy one. They have a right to protect their exposure to loss, and when you signed documents to open your account, all of that would have been in the fine print.
"How else could you know if the check was good"
By calling the bank it was drawn on and asking.
2007-01-19 00:29:11 · answer #2 · answered by BoomChikkaBoom 6 · 2⤊ 0⤋
Nevada Rae Gold checks are a scam. You should have checked before just assuming such a large sum of money was legally yours.
What you need to do is talk directly to the banks manager to get this sorted out.
They may be able to drop any charges against the account if you go to them in person and explain the situation.
Taking legal action is not the right course!
2007-01-18 23:43:26 · answer #3 · answered by ljn331 4 · 5⤊ 0⤋
Yeah first thing is pay some of those checks off. Right now your on the federal government check list (I forgot the name of it right now long day at work) But I would try Chase or commerce bank (now TB Bank) Right now all bank regulations are strict on opening account but some banks don't do very good background checks. Let me tell you now HSBC,CITI Bank,Bank of america and wamu will not open an acct for you. If you have 3 or more bounced checks your on that list. any more question just email me I will let you know. Hope I was able to help
2016-05-24 06:27:34 · answer #4 · answered by Anonymous · 0⤊ 0⤋
If it were me I would go to the FDIC, Federal Deposit Insurance Commission. Bank of America is insured and must answer to federal regulators. You can telephone them and ask what the procedure is to file a complaint. Then, I would go to the District Attorney's office and inquire about how to file a hot check complaint for the rubber check given to you by Nevada based company. There could be fraud and larceny involved. Don't sit on your hands! Get busy and make some noise.
Good Luck.
2007-01-18 23:37:16 · answer #5 · answered by Anonymous · 1⤊ 1⤋
Find another bank. Look at the pro's and con's of different banks. Lots of financial institutions offer incentive programs, high interest, etc. You can also call the financial institution the check was issued from and ask about this particular account. Call the better business bureau in the future to ask about the company that issued the check.
Debbie
2007-01-18 23:35:02 · answer #6 · answered by D R 1 · 0⤊ 1⤋
depositing bad checks and spending the money before the check clears is grounds for terminating your banking relationship.
If you don't owe BOA any money than you should be able to open aanother account at a different bank.
It's only discrimination if they isolated you and can't prove that this is normal procedures.
I would be more angry with the company for giving me a bad check.
2007-01-19 01:38:31 · answer #7 · answered by Culture Warrior 4 · 1⤊ 0⤋
how did they discriminate against you? are you black? disabled? over 55 years old? or is it just because you are trying to pass fraudulent checks. if thats the case, then no. you cant sue for discrimination based on stupidity.
2007-01-18 23:29:05 · answer #8 · answered by spyderman1212 4 · 3⤊ 0⤋