ARGH - Banking problems

[GeG_Lost]

So, when we changed our bank accounts before filing we also changed all of the direct deposit information with work. You can have different types of pay deposited in different accounts. We had JUST almost emptied the account when my husband's life insurance accidentally billed USAA one last time for $32 taking the account to negative $28. They charged a $30 overdraft fee and immediately charged off that amount the same day and closed the account. They already knew at this point that we were going to file and we had a loan and credit cards with them. So a couple of weeks ago my husband had to go out of town for work and they sent part of his travel reimbursement to that account because apparently you have to change that direct deposit information in two different places.

We initally called USAA to ask if they received the funds and they said no that it was automatically rejected. We had the money traced and called them back with the trace number. They then said they would send us a check for the remaining $58 but they had used the majority of it to cover the supposed $262 that had been charged off. They sent me a final statement saying that they had charged off $58 and closed the account permanently. Unfortunately, I don't have that statement because I gave it to the attorney but I suppose I could get it. I don't know if they could reopen a charged off account and charge off more money for some unknown reason. I am totally perplexed about that whole situation.

They had no intention of even mailing us a check for what they say was the remaining amount and are only doing so because we called. That in my opinion is the worst part of it all. I am not even sure if what they did makes any sense or if they could have even charged off more money after we filed bankruptcy. Who knows. The bottom line is remember to ensure you have changed all of your banking information in every source you can think of.

[whipster1]

You should be able to get most if not all of it back. They have no right to setoff after you have filed. USAA is one of the better banks so a few phone calls should get r done.

[GeG_Lost]

I called and they are saying that the checking account number was not specifically included in the bankruptcy, only the account numbers for the auto loan and credit cards. I said it doesn't matter that the specific account number was not on our filing because they were listed as a creditor and that we are a no asset chapter 7 anyway. She is going to send it to the bankruptcy department and have them review the documents they have to see if they consider the checking account included in bankruptcy.