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Author Topic: BoA A/A  (Read 7300 times)

Offline Shmulyg

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BoA A/A
« on: November 01, 2013, 02:52:35 PM »
Not sure how prevalent this is and if it merits a thread unto its own, but i'm posting this as an FYI and maybe to also get some help from the pros here.

I get a call from BoA asking about some recent large purchases i made. At the beginning i thought it was about the freeze they put in my account (subsequently lifted after a call) so i answered freely. Next thing i know he starts asking about a third-party company check i used to pay my bill, and lets me know that he's shutting my account because of it. B"h my checking account was no effected.

Just giving you guys a heads up about paying BoA CCs with third-party checks and that, yes, BoA too does A/As/FRs (this came with a call and a demand for an explanation, so that would make it a hybrid).

Any help would be appreciated (it's sort of an older card and i also don't want the 'closed by issuer' on my report). TIA!
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Offline notanonymous

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Re: BoA A/A
« Reply #1 on: November 01, 2013, 02:59:22 PM »
1. Call back, go to a branch.   Explain how someone owed you money, and you did not realize anything was wrong paying a bill like that.
2. You paid by mail?
« Last Edit: November 01, 2013, 03:10:50 PM by notanonymous »
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Offline compddd

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Re: BoA A/A
« Reply #2 on: November 01, 2013, 03:00:01 PM »
Why do people still not learn that 3rd party checks are the devil
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Offline Shmulyg

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Re: BoA A/A
« Reply #3 on: November 01, 2013, 03:49:33 PM »
Quote from: notanonymous on November 01, 2013, 02:59:22 PM
1. Call back, go to a branch.   Explain how someone owed you money, and you did not realize anything was wrong paying a bill like that.
2. You paid by mail?

1. The rep i spoke to already realized that i was buying for that company (as i said, i thought the call was about something else and i also never heard of a BoA A/A so i had my guard down). He did give me his number and extension to call him back but i need something strong to persuade him. When i pressed him as to what was wrong with what i did, he would't give anymore info, so i don't even know which direction to take this. General question: is there anything wrong per se with paying from a third party? If yes, why do most CCs accept it? Anyone has any insight?

2. Yes.
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Offline Dan

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Re: BoA A/A
« Reply #4 on: November 01, 2013, 03:53:22 PM »
Quote from: compddd on November 01, 2013, 03:00:01 PM
Why do people still not learn that 3rd party checks are the devil
Beats me. I've said it enough times.
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Offline smaxber

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Re: BoA A/A
« Reply #5 on: November 01, 2013, 03:54:50 PM »
deos BB not fall in the category of 3rd party checks?
plus what about paying thru BB from anothers account?
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Offline robi

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Re: BoA A/A
« Reply #6 on: November 01, 2013, 03:54:59 PM »
Quote from: Dan on November 01, 2013, 03:53:22 PM
Beats me. I've said it enough times.
how about payments from 3rd party bank accounts?
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Offline robi

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Re: BoA A/A
« Reply #7 on: November 01, 2013, 03:55:53 PM »
Quote from: smaxber on November 01, 2013, 03:54:50 PM
deos BB not fall in the category of 3rd party checks?
it either is or isn't. if its your BB why would it be 3rd party?
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Offline Shmulyg

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Re: BoA A/A
« Reply #8 on: November 01, 2013, 04:03:32 PM »
Quote from: Dan on November 01, 2013, 03:53:22 PM
Beats me. I've said it enough times.
Yeh, but BoA? Who ever knew they do this?
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Offline Dan

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Re: BoA A/A
« Reply #9 on: November 01, 2013, 04:04:30 PM »
None of the banks like it.
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Offline compddd

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Re: BoA A/A
« Reply #10 on: November 01, 2013, 04:13:43 PM »
Quote from: Dan on November 01, 2013, 04:04:30 PM
None of the banks like it.

They don't like when you pay your CC bill via BB bill pay?

Good to know
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Offline Shmulyg

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Re: BoA A/A
« Reply #11 on: November 01, 2013, 04:29:34 PM »
Tachlis, anyone has any experience/advice for me?
They also confiscated some $70 of cashback from this past month :o
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Offline CountValentine

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Re: BoA A/A
« Reply #12 on: November 01, 2013, 04:31:12 PM »
Quote from: Dan on November 01, 2013, 03:53:22 PM
Beats me. I've said it enough times.
Tell you how bad it is. I had a check for less than ten bucks made out to my daughter deposited in my checking account. I was given a not so nice warning.
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Offline Shmulyg

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Re: BoA A/A
« Reply #13 on: November 01, 2013, 04:40:38 PM »
Quote from: CountValentine on November 01, 2013, 04:31:12 PM
Tell you how bad it is. I had a check for less than ten bucks made out to my daughter deposited in my checking account. I was given a not so nice warning.
Im talking about a check made out to the bank just from a third-party company. I did ask the rep to let me of with a warning but he wouldn't budge. I'm still wondering what the official banking policy is (Chase A/A and Amex FR aside).
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Offline ilherman

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Re: BoA A/A
« Reply #14 on: November 01, 2013, 05:04:39 PM »
Quote from: Shmulyg on November 01, 2013, 02:52:35 PM
Not sure how prevalent this is and if it merits a thread unto its own, but i'm posting this as an FYI and maybe to also get some help from the pros here.

I get a call from BoA asking about some recent large purchases i made. At the beginning i thought it was about the freeze they put in my account (subsequently lifted after a call) so i answered freely. Next thing i know he starts asking about a third-party company check i used to pay my bill, and lets me know that he's shutting my account because of it. B"h my checking account was no effected.

Just giving you guys a heads up about paying BoA CCs with third-party checks and that, yes, BoA too does A/As/FRs (this came with a call and a demand for an explanation, so that would make it a hybrid).

Any help would be appreciated (it's sort of an older card and i also don't want the 'closed by issuer' on my report). TIA!
For this issue check out the Chase A/A thread.
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Offline Shmulyg

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Re: BoA A/A
« Reply #15 on: November 01, 2013, 05:13:29 PM »
Quote from: ilherman on November 01, 2013, 05:04:39 PM
For this issue check out the Chase A/A thread.
I've seen various opinions about that. What's the consensus?
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Offline CountValentine

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Re: BoA A/A
« Reply #16 on: November 01, 2013, 06:48:13 PM »
Quote from: Shmulyg on November 01, 2013, 04:40:38 PM
Im talking about a check made out to the bank just from a third-party company.
I know what you are talking about. I will make this real simple for everyone. Don’t use any third party checks for deposits or paying off your CC’s.
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Offline Malachi

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Re: BoA A/A
« Reply #17 on: November 02, 2013, 07:30:05 PM »
Quote from: CountValentine on November 01, 2013, 06:48:13 PM
I know what you are talking about. I will make this real simple for everyone. Don’t use any third party checks for deposits or paying off your CC’s.
and what about cash payments.  For bofa cards, are they ok with it?
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Offline CountValentine

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Re: BoA A/A
« Reply #18 on: November 02, 2013, 07:30:58 PM »
Quote from: Malachi on November 02, 2013, 07:30:05 PM
and what about cash payments.  For bofa cards, are they ok with it?
Not sure about BOA but Chase does not like it.
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Offline Malachi

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Re: BoA A/A
« Reply #19 on: November 02, 2013, 07:32:46 PM »
Quote from: CountValentine on November 02, 2013, 07:30:58 PM
Not sure about BOA but Chase does not like it.
hence the question. Anyone have issues so far?
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