I need help / advice please.

[Anonymous]

So I've posted about this before but a few years ago I was blacklisted by bank of America on chexsystems ews telecheck you name it and it's virtually impossible for me to open a checking account and I want to write a very compelling good will letter but don't know what to say so I'll give some info as to what happened ( my side of it at least) it was about 2 1/2 years ago I had just opened an account with them and 3 days prior to this I went to a branch after hours to deposit some checks and a 2 dollar money order was one of them when (my brother owed me money and thought it was funny to give 5 $2 money orders) when I went to put it into the atm it the screen prompted me to a picture of it and asked how much is it worth so I hit 2.00 and after that it didn't let me do the other 4 of them I had it basically locked my account and I see $200 posted to my account I didn't withdraw it or use mind you I figured they'd fix it or what ever come to find out I apparently hit $200 and not $2.00 well now I have fraud on my account I've tried calling and talking to them like I made a mistake I don't owe any money or anything to be honest they owe me $86 that was in the account at the time so if someone can help me about what to write or how to word it id greatly appreciate it thank you very much.

[Anonymous]

Hi Travis.  Welcome to the forums.  Folks here will definitely want to help you out.  But it will be hard for some of them because your post is one very long sentence.  Try reading it in one breath and you'll see what I mean.

I suggest you rewrite with some periods and maybe a couple commas so that people I can follow better the events you are describing.

Also, have you written to Chex, EVS, and Telecheck and requested a separate copy of your report be mailed to you?  The folks here will be curious to hear that each report says.

You can also help us out with a detailed chronology of events.  E.g....

On what date was the bank account opened?  Was it a savings account and checking account both?

On what date did you deposit the $2 money order?  How much was in the banking about at that time.

You write that "I had just opened an account with them and 3 days prior to this I went to a branch after hours to deposit some checks....."  That sounds you tried to deposit a check three days before the account was opened -- is that what you mean?

[Anonymous]

Ok I apologise writing is definitely not my strong suit. So here I'll try to better it. So January of 2017 I opened an account with bank of America with an opening deposit of 40 or 50 dollars something like that and a few days later my brother paid a 10$ debt to me in 5 separate $2 money orders as a joke lol. So I've had an account with BofA for around 3 or 4 days at this point and one night around 7 or 8 pm I went to deposit some cash and the money orders into the atm because the bank was closed it being so late. When I put the first money order in, the screen on the atm showed me a picture of money order and asked me to write in how much it's worth so I pushed in $2.00 ( or so I thought) after I did that it wouldn't let me put in the other 4 money orders I had it just locked or something. So I leave and on my way home I look in my account on my phone I see that my available balance is $200 dollars more that it should be I only should of had about 120 or so but I had 320. I kinda figured it was a mistake so I didn't touch the 200 or anything I left it alone and the next day my account was closed for fraud because I apparently hit $200 and not $2.00 I tried calling and talking to them but to no avail I hope I wrote it better for you and if you have any other questions please feel free to let me know.

[Anonymous]

Great bud!  That's a lot easier to understand.  

Have you written to ChexS, EVS, and Telecheck and requested a separate copy of your report be mailed to you?  The folks here will be curious to hear what each report says.

[Anonymous]

I have with chexsystems it should be here in a few days.

[Anonymous]

If I were you, I'd also request a report from EWS and TeleCheck.

[Indianaguy]

Did you try going into a branch at all and talking to a manager? This would be the first thing i would do and then go from there.

[Anonymous]

I did they just referred me to there fraud department phone support..

[Anonymous]

I've gotten my chexsystems report back today, and I have two derogatory marks one of course from BofA for suspected fraud activity from January 10 2017 and from us bank for a charge off that is paid in full. The weird part is BofA says it's unpaid but I don't owe any money any thoughts? Thank you.

[Indianaguy]

contact bofa and see if you have anything outstanding with them.