[問題] 已經關戶三個多月的卻一直收到美國銀行帳單

看板studyabroad作者 (Olive)時間14年前 (2011/08/18 13:34), 編輯推噓0(0推 0噓 27→)
留言27則, 6人參與, 最新討論串1/1
如題~ 本人在今年五月結束了為期一年的交換生計畫 在離開美國的前兩天就趕快跑去把美國銀行的帳戶關掉 也把錢都提領光光 我記得還有跟行員聊天，一開始就跟他提說我要關戶要回台灣了 他就幫我關戶，離開前還小聊了一下棒球跟足球。 走之前我又再問一次說這樣就可以了嗎?他說YES!!! 但我看我e-Banking的帳戶都還在耶 但他每個月還是一直charge我 monthly fee (寄帳單的費用) 05/25/2011 MONTHLY MAINTENANCE FEE -$8.95 -$11.11 06/28/2011 MONTHLY MAINTENANCE FEE -$8.95 -$20.06 07/26/2011 MONTHLY MAINTENANCE FEE -$8.95 -$29.01 P.S. status狀態上是顯示close的 然後直到昨天又收到美國銀行寄過來的帳單...(應該是學校po box轉寄過來的) Our records show your account has been overdrawn since 05/09/2011, and your current unpaid balance is $29.01. IT IS URGENT THAT YOU MAKE A DEPOSIT TO YOUR ACCOUNT FOR THE FULL OVERDRAWN AMOUNT plus any service charges incurred subsequent to this notice. If this deposit is not made your account may be closed. If your account is closed due to an overdrawn balance,it may be diffi- cult for you to establish a banking relationship elsewhere and we may take the following actions: *Report to ChexSystems,Inc., that your account was closed due to unstatisfactory handling.This information may remain on file for up to five years, even if the debt is fully paid in the future. Since ChexSystems, Inc is an account verification service used by most financial institutions, this report may prevent you from establishing an account at another finacial institution. *Refer your account to a collection agency to pursue collection;any balance owed may be subject to a collection fee and/or interest charge. You should give this matter your immediate attention. Call us at the number listed on your Bank of America statement IMPORTANT NOTICE: Please disregard this letter if you have recently filed for bankruptcy protection and this account constitutes part of your pre-petition debt. Your attorney should contact us promptly at the number listed on your Bank of America statement Bank of America Customer Service 這幾天除了收到這封信還有收到monthly fee的帳單 這樣是代表我沒有關戶成功還是....? 請問有人跟我一樣的經驗嗎? 要打電話去原本銀行問問看嗎? 還是不用理他就好了 可是不知道對我的信用會不會影響耶... 雖然我有社會安全卡但開卡時我沒有拿出來用 謝謝大家~~~ -- ※ 發信站: 批踢踢實業坊(ptt.cc) ◆ From: 118.160.49.232
→
08/18 13:35, , 1F
打電話去確認 不要拖到被report成壞記錄才處理
08/18 13:35, 1F
→
08/18 14:11, , 2F
當然是打電話去問 鄉民再怎麼神也不是銀行肚子裡的蛔蟲
08/18 14:11, 2F
→
08/18 23:12, , 3F
"... overdrawn"-> 問題有可能是出在這，因為在關戶時你的
08/18 23:12, 3F
→
08/18 23:13, , 4F
balance不是0(是負的，換句話說你在領錢時超拿/或是購物時
08/18 23:13, 4F
→
08/18 23:14, , 5F
/後你的帳戶總錢數還為更新，然後你就領出你以為的餘額
08/18 23:14, 5F
→
08/18 23:15, , 6F
(11.11 - 8.95 = 2.15) 因為這個抄領的2.15你的帳戶無法關
08/18 23:15, 6F
→
08/18 23:15, , 7F
(這是銀行內部程式的關係。我遇過類似的，是多出餘額的例
08/18 23:15, 7F
→
08/18 23:16, , 8F
子) 你可以先把那幾個月的monthly statements都印出來，比
08/18 23:16, 8F
→
08/18 23:16, , 9F
對一下，確定你沒有抄領(或是真的有超過的話錢數是多少)
08/18 23:16, 9F
→
08/18 23:17, , 10F
然後打電話去問(你自己有些底，這樣子溝通起來可以省很多
08/18 23:17, 10F
→
08/18 23:17, , 11F
麻煩)
08/18 23:17, 11F
→
08/18 23:20, , 12F
"還是不用理他就好了"-> 如果你日後不再去美國，那麼美國
08/18 23:20, 12F
→
08/18 23:21, , 13F
這邊確實是拿你沒轍(只是道德上以及為日後的人著想...)
08/18 23:21, 13F
→
08/19 00:58, , 14F
樓上錯誤。每個月月扣額都固定，不會是你講的問題
08/19 00:58, 14F
→
08/19 00:59, , 15F
另外，不要小看小額debt累計的問題，5年後你再回去，看海關
08/19 00:59, 15F
→
08/19 00:59, , 16F
怎麼賜候你。
08/19 00:59, 16F
→
08/19 01:01, , 17F
學生畢業再返美，最重的案例有一進海關就被帶走的。
08/19 01:01, 17F
→
08/19 01:02, , 18F
還錢事小，出入關及紀錄的問題大，為了每月8塊錢絕對不值得
08/19 01:02, 18F
→
08/19 01:03, , 19F
花點時間打skype過去跟銀行客服釐清問題才是一勞永役的正解
08/19 01:03, 19F
→
08/19 01:04, , 20F
不用理它<--這種態度在美國只會帶給你無止盡的麻煩。
08/19 01:04, 20F
→
08/19 01:06, , 21F
你的情形,10天就近90塊，5年就超過500塊。已經足已夠成社區
08/19 01:06, 21F
→
08/19 01:07, , 22F
服務強制實行的條件了。
08/19 01:07, 22F
→
08/19 01:08, , 23F
另外，對你的信用百分之一千億會有負面影響。
08/19 01:08, 23F
→
08/19 01:09, , 24F
都交換了一年，用英文跟客服交涉有比社區服務麻煩嗎?
08/19 01:09, 24F
→
08/19 01:09, , 25F
請你三思。
08/19 01:09, 25F
→
08/19 01:52, , 26F
用GV打美國國內不用錢 不需要用Skype喔
08/19 01:52, 26F
→
08/22 01:59, , 27F
樓上的大大們謝謝:)
08/22 01:59, 27F
‣ 更多 nicolekitty 的文章
文章代碼(AID): #1EJAHokb (studyabroad)