I just realized that my account number is off by a single digit for my tax refund direct deposit. It is scheduled to be deposited this Fri 2/1. Is it possible to call them and just ask for a paper check instead?|||If the number you entered is a valid account number you have just given them a gift of your refund. The IRS will not help once the money is in the wrong account. You may be able to catch it by calling them ASAP. If the account number is an invalid account you will get a paper check at the address on the return but it will take a couple of months. The bank may be able to tell you if the number you entered is a valid number or not. It is unlikely they would tell you who's account it is.|||You can call IRS and tell them your situation. You can still have the check deposited into your account, but it may take 2-7 days, which is shorter than you asking for a paper check. I went through the same thing last year and it took about a week for them to deposit my money. DON'T call your bank because the bank doesn't have anything to do with your tax return, they deal with your money. So please call IRS.|||Call your bank asap. Tell them about the error. It is possible that no one else has that account number. The bank can tell you. Good luck.|||Yes,if the IRS got the wrong or missing number,they will hold your money unless you call them ASAP and let them know what you wnat to do|||No, you can't just call them about it. When the bank doesn't accept the direct deposit they'll automatically send you a paper check, but it will probably be a couple weeks.|||Yep, that's one I definitely would pick up the phone for.
BTW, the chance of another account at your bank being different by one digit is very low. Banks assign account numbers with a deliberate skipping system so that even consecutively opened accounts will be different by a figure of 13 or 9... So if the refund got as far as the direct deposit stage, most likely the refund would bounce back to the IRS.
But I think phoning tonight or tomorrow is a good idea. :D
Thursday, December 15, 2011
Can bank of America legally re-open a closed account because i forgot to cancel my direct deposit?
I had a check/saving, and a overdraft account.
on 2/23 i went down to the branch, closed the check/savings, and they told me i had to call a # to close the credit overdraft protection account. I called that number, and closed that.
a week later when i forgot to cancel my direct depsoit, the bank reopened the checking account, and the credit overdraft account. 2 autobills were paid, this drew my account negetive, and incured the overdraft protection...leaving me a money owed balance on my account.
I just went down to the bank, they gave me a doc that says under closed account "if you are we close your account, we may either return deposits, check or other items that we receive after your account is closed or we may reopen the account and accept the deposit or debit for you, even if doing so overdraws your account, without being liable to you. you agree to pay immediately all amounts you owe us"
CAN THEY LEGALLY DO THIS? DO I HAVE A CASE? PLEASE ONLY ANSWER IF YOU HAVE REFS!|||It's not the bank's fault you forgot to cancel the direct deposot. When the deposit got made, they had to do something with the money, and as per their document, they opted to reopen the account. I suspect that that document was part of the paperwork that you signed when you opened the account. When you opened the account, you also accepted their terms and conditions of how they would handle the acount. Just because you forgot all this doesn't relieve you of the responsibility of your actions (or inaction) causing the account to be reopened.
If you really think you have a case (and as you probably have gathered from my above comments, I don't think you do), you could try taking them to small claims court, or talk to your state's Attorney General office.
From your description of the events, it sounds like you're the one at fault here, especially if the payments that caused the overdrafts were bills you had to pay anyway. Cancelling the autobills is also your reponsibility. Having them bounce because the account was closed probably would have caused you other fees and charges.
Learn to handle your money more responsibly, and learn from this to know what the terms and conditions of a bank account are before you accept it. The more freebies and "conveniences" it comes with, the harder it is to get out of. The banks know this: that's why they offer them.
on 2/23 i went down to the branch, closed the check/savings, and they told me i had to call a # to close the credit overdraft protection account. I called that number, and closed that.
a week later when i forgot to cancel my direct depsoit, the bank reopened the checking account, and the credit overdraft account. 2 autobills were paid, this drew my account negetive, and incured the overdraft protection...leaving me a money owed balance on my account.
I just went down to the bank, they gave me a doc that says under closed account "if you are we close your account, we may either return deposits, check or other items that we receive after your account is closed or we may reopen the account and accept the deposit or debit for you, even if doing so overdraws your account, without being liable to you. you agree to pay immediately all amounts you owe us"
CAN THEY LEGALLY DO THIS? DO I HAVE A CASE? PLEASE ONLY ANSWER IF YOU HAVE REFS!|||It's not the bank's fault you forgot to cancel the direct deposot. When the deposit got made, they had to do something with the money, and as per their document, they opted to reopen the account. I suspect that that document was part of the paperwork that you signed when you opened the account. When you opened the account, you also accepted their terms and conditions of how they would handle the acount. Just because you forgot all this doesn't relieve you of the responsibility of your actions (or inaction) causing the account to be reopened.
If you really think you have a case (and as you probably have gathered from my above comments, I don't think you do), you could try taking them to small claims court, or talk to your state's Attorney General office.
From your description of the events, it sounds like you're the one at fault here, especially if the payments that caused the overdrafts were bills you had to pay anyway. Cancelling the autobills is also your reponsibility. Having them bounce because the account was closed probably would have caused you other fees and charges.
Learn to handle your money more responsibly, and learn from this to know what the terms and conditions of a bank account are before you accept it. The more freebies and "conveniences" it comes with, the harder it is to get out of. The banks know this: that's why they offer them.
My apartment complex sent me notice after I vacated the apt. that said I would be refunded a secuirty deposit?
it said my full security deposit would be returned to me within 45 days. Well now it has been 70 days and they still have not mailed it. Every time I call I am being told that they switched management companies and that has been put on the back burner. I live in Virginia. How do I get my security deposit back?|||File a suit in small claims. They'll move it up a couple burners in order to make it go away. Also, I would call the BBB in their town and file a complaint.|||I would start moving up the chain of command, and not just whoever answers the phone. Document all of your calls - date, who you talked to, what was said. Even if they changed management companies, security deposits should be kept in escrow and you should get it back.
You could also take them to small claims court. Keep your evidence and document your attemtps to collect, a copy of the lease agreement, to use in court.|||It sounds like management issues. You will probably have to sue them for it. Go to the court house and they should be able to tell you what forms you need to fill out and how much it will cost. Make sure you take a copy of that letter.
They do not get more time because of their internal management problems.
You could also take them to small claims court. Keep your evidence and document your attemtps to collect, a copy of the lease agreement, to use in court.|||It sounds like management issues. You will probably have to sue them for it. Go to the court house and they should be able to tell you what forms you need to fill out and how much it will cost. Make sure you take a copy of that letter.
They do not get more time because of their internal management problems.
Put a deposit on a cruise but restaurant prices went up?
I put a deposit on a cruise. I asked for a list of prices for restaurants (saved for what i wanted to do) and now after I have paid the ticket in full and past the refund date I went on their website to put in reservations and all of the prices went up 10-15 dollars! :( should i call and complain? will i get anywhere?|||It never hurts to complain. Their in the hospitality industry so they are consistently used to complaints by customers and commonly give customers extra things to make them happy. I bet if you call you will get something out of it, if not nothing lost!|||I would cancel the restaurant reservations and eat in the main dining room for no extra charge. If you have already paid for them then they should give you a refund or at least a ship credit that you can put toward your tip or other on board expenses. If worse comes to worse you can tell them to take off the charge for the tips (usually $11/day) and they have to do it as it is not mandatory. Talk to customers relations once you are on the ship. They DO like to have satisfied customers.|||Something does not sound correct.
The cruise lines have had specialty restaurants that charge extra, but most that I am aware of charge $30-$40... so a $10-$15 increase seems odd.
Some ships that don't have separate speciality restaurants have introduced something where you can order some special meal served to you in the main dining room for an additional $10-$20 charge.
However, your typical Cruse dining in the Main Dining Room is available to you at no additional charge.
My guess is that unless you made a reservation at a certain price, they are able to change prices... just as if they changed their drink prices, spa service prices, etc.
But if they did what you describe... as you described it, it seems like a raw deal to me! I doubt if you will get it changed, but I would certainly ask, and I would make a huge point of it when you do the review at the end of the cruise. They do read those.
Good luck... I'd hate to see you get put off by something before you even get on the ship!|||I am not sure, what you mean, that all of the prices went up 10-15 dollars. For the speciality Restaurant - since this is what cruise lines charge for. The other Restaurants are included in your cruise fare.
Please be more specific with cruise line / ship and what you are actually trying to book, when you talk about Restaurant.
Thank you
The cruise lines have had specialty restaurants that charge extra, but most that I am aware of charge $30-$40... so a $10-$15 increase seems odd.
Some ships that don't have separate speciality restaurants have introduced something where you can order some special meal served to you in the main dining room for an additional $10-$20 charge.
However, your typical Cruse dining in the Main Dining Room is available to you at no additional charge.
My guess is that unless you made a reservation at a certain price, they are able to change prices... just as if they changed their drink prices, spa service prices, etc.
But if they did what you describe... as you described it, it seems like a raw deal to me! I doubt if you will get it changed, but I would certainly ask, and I would make a huge point of it when you do the review at the end of the cruise. They do read those.
Good luck... I'd hate to see you get put off by something before you even get on the ship!|||I am not sure, what you mean, that all of the prices went up 10-15 dollars. For the speciality Restaurant - since this is what cruise lines charge for. The other Restaurants are included in your cruise fare.
Please be more specific with cruise line / ship and what you are actually trying to book, when you talk about Restaurant.
Thank you
How come sometimes my direct deposit shows up on Friday, and sometimes Monday?
I am 17 and employed at McDonalds, and I use a local bank called VyStar. Sometimes, I get my direct deposit paycheck on Friday evenings, and sometimes on Monday mornings. Does anyone know why that might be? It's quite frustrating because I get all these plans and stuff for the weekend, and then I have no money.
Thanks in advance for your input.|||I get payed direct deposit on Thursday but sometimes it doesn't clear in my account until Friday or Monday. Checks sometimes just need an extra day or two to clear. Its as simple as that. One reason it might take an extra day or two clear are major holidays like Labor Day, Memorial Day, and Christmas. It also comes down to the time the check was put in to your account. It was put in late in the day it won't show up until the next day.|||holidays like Thanksgiving would probably delay it if they didn't send the money to the bank a day earlier
if Friday is payday, the money should be in your acct Friday morning.
If payday is Monday, then it is just luck if you happen to get it Friday and you shouldn't be expecting it any earlier than Monday|||G
It has to do with when your employer's payroll is released. The bank can't credit it until it is transmitted. If they miss the cutoff time, it can;t go through until the next banking day. So it may be your employer closing out and approving the payroll, or it could be the payroll company ....
Soccerref|||I can see how much i get payed on sunday and the transaction is done by monday morning
Thanks in advance for your input.|||I get payed direct deposit on Thursday but sometimes it doesn't clear in my account until Friday or Monday. Checks sometimes just need an extra day or two to clear. Its as simple as that. One reason it might take an extra day or two clear are major holidays like Labor Day, Memorial Day, and Christmas. It also comes down to the time the check was put in to your account. It was put in late in the day it won't show up until the next day.|||holidays like Thanksgiving would probably delay it if they didn't send the money to the bank a day earlier
if Friday is payday, the money should be in your acct Friday morning.
If payday is Monday, then it is just luck if you happen to get it Friday and you shouldn't be expecting it any earlier than Monday|||G
It has to do with when your employer's payroll is released. The bank can't credit it until it is transmitted. If they miss the cutoff time, it can;t go through until the next banking day. So it may be your employer closing out and approving the payroll, or it could be the payroll company ....
Soccerref|||I can see how much i get payed on sunday and the transaction is done by monday morning
I closed my bank account today totally forgetting about my tax return being deposited. What number do I call?
I'm from Michigan and filed with Turbotax online. I'm expecting the return around the 15th.|||calling the bank won't resolved your problem.....also there's no way that they could able to REOPEN that same account AGAIN.
call IRS
Telephone Assistance for Individuals:
Toll-Free, 1-800-829-1040
Hours of Operation: Monday 鈥?Friday, 7:00 a.m. 鈥?10:00 p.m. your local time (Alaska %26amp; Hawaii follow Pacific Time).|||Call the bank.
If they can't reopen the account and the deposit bounces, the IRS will send a paper check.|||Call the bank and beg to reopen the account. If the account is closed then the refund will be returned to the government. Then the government will probably send you a check. You can't change your info with the government, so your best bet is to get the bank to reopen your account.
call IRS
Telephone Assistance for Individuals:
Toll-Free, 1-800-829-1040
Hours of Operation: Monday 鈥?Friday, 7:00 a.m. 鈥?10:00 p.m. your local time (Alaska %26amp; Hawaii follow Pacific Time).|||Call the bank.
If they can't reopen the account and the deposit bounces, the IRS will send a paper check.|||Call the bank and beg to reopen the account. If the account is closed then the refund will be returned to the government. Then the government will probably send you a check. You can't change your info with the government, so your best bet is to get the bank to reopen your account.
How long does it take to receive direct deposit check from Michigan Unemployment?
I have been qualified for receiving Unemployment benefits in the state of Michigan. I did receive my first check by direct deposit a few weeks ago. I called customer support and asked how long does it take after calling Marvin. Has anyone received their unemployment check in about 2 days? I am really broke, and behind on some bills here. HELP PLEASE!!|||I called in my certification on Friday, July 11th and still haven't gotten my direct deposit. (Today is the 20th.) Good luck! I hope we both get ours soon!
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