Help with credit cards

[ccsjoe]

Similar. Google them for website, they are pretty informative. You can even get a sample report or order your free annual report. They have to follow fair credit reporting act rules, etc.

[wnguyen]

Correct me if I'm wrong. So from what I understand, chexsystems works like credit report, is that right?

[ccsjoe]

Anna, those are regarded as returned payments, and eventually reported to chexsystems as such. They're in the same neighborhood as a bounced check and if you have enough of them, it's the banks that will report you on chexsystems. The cc's will just report you as late.

[drowning123]

That's a lie, Anna. The banks usually return the money to the creditors if funds are insufficient. I know Citibank returns the money. It happens to me all the time.

[annalynn]

someone just told me that if the auto withdrawals are refused--that the credit card companies will report me as passing a bad check? is this true? At this point I have never had a check bounce.

[ccsjoe]

two days till you fill buddy, good luck

Thanks bigtim. I actually signed today. Attorney files Friday. Today was a bigger step for me..I showed up...lol. I am sitting home now calming my nerves with some Jager and Johnny Walker Blue...my wife gonna hate me tonight.

[bigtim6656]

two days till you fill buddy, good luck

Hi 5 at you!! Now start getting your stuff together....lol

[drowning123]

I like it when a plan comes together.

[ccsjoe]

Hi 5 at you!! Now start getting your stuff together....lol

[tobee43]

congrats!!!!!! great news!! now get you bucks out of that other account!! LOL!

[annalynn]

[annalynn]

thank you all so much. it is great to be able to get good advice and support--especially at a time when it feels like everything is just getting out of control :-)

[tobee43]

i know that chase pulled out an account after i told them they were NO longer getting paid....no auto payments....

they took it anyway...so i called my bank and they faxed me a form to fill out stating that chase no longer has permission for auto pay......

they CHARGED back Chase....LOL!!!!! i actually NEVER had "auto" pay...but i did pay on line...they claimed i had signed up on line for "auto" payments....so i asked and my bank asked them to prove it....of course they couldn't....my bank ask me and saw other payments to chase, but i said those were on line payments and NOT auto payments...there is a difference, so my situation was a bit different....

HOWEVER, immediately contact the bank...put it in WRITING that all auto pays are to CREASE immediately...list those that have been authorized and make certain someone in charge at the bank helps you.

[catleg]

Close your current bank account. When the tell you the account will be reopened when any new activity occurs within 30 days, just keep saying "identify theft, identity theft".

Open a new bank account, I recommend something on the internet far far away like ING direct or Etrade bank. You can always mail in your deposits.

There are rules for ACH automatic recurring transfers, including that you are not supposed to be able to authorize over the phone. You can file a "Reg E"
claim to take back any money that was wrongfully debited from you by electronic transfers.

[helpmeout]

You can either change banks (which is a good idea if you also owe the bank money), close that account out and open a new one or block the CC companies from taking the money out. To be honest, closing the account or going to a different bank is going to be the easier option.