From: "Ed Carp [khijol SysAdmin]" <erc@khijol.intele.net>
Date: Sun, 30 Jul 95 17:16:24 PDT
To: Lucky Green <shamrock@netcom.com>
Subject: Re: Zimmermann legal fund
In-Reply-To: <199507302305.TAA16631@bb.hks.net>
Message-ID: <Pine.3.89.9507301717.E26667-0100000@khijol>
MIME-Version: 1.0
Content-Type: text/plain


On Sun, 30 Jul 1995, Lucky Green wrote:

> Six years ago, you could walk into a Bank, show them your driver license,
> and open an  account.
> Today, you need several pieces of ID.
> Three years ago, you could withdraw money from your own account without
> having  your checkbook on you.
> Today, they make you pay for a "counter check".
> One year ago, you could walk into a bank an cash a check drawn onto an
> account at the very same bank.
> Today (Coast Federal), they make you pay a $10 check cashing fee.

When I lived in California, I banked at Security Pacific, then changed
over my account to BofA.  When I left the bay area, I closed my account,
not knowing that someone had sat on a check for $120 - I thought it was me
just entering an ATM receipt twice (as I do from time to time).  So,
someone from a place called ChexSystems sends me a letter, saying "well,
you had a check go through and the bank paid it, please pay us."  So, I
send them the $120 or whatever it was. 

When I tried to open a checking acount in Utah, I find that I can't, for
the sole reason that I had been "reported to ChexSystems".  I explained
the situation to no avail.  BofA refuses to remove the charge, saying that
it's "against their policy".  ChexSystems refuses to do anything about it,
saying that "it was a valid debt", one which I neither knew about nor
agreed to.  If the bank would've mailed me a letter, saying that they
bounced the check, or paid it and please remit, I would've been happy to. 
Instead, they chose to try and screw me over by reporting the so-called
"debt" to some sort of check reporting system.  From my point of view, the
action by the bank was malicious and done with the intent of causing me
harm.  I don't recommend anyone doing business with BofA for this reason,
and I strongly urge that people immediately close their accounts with BofA,
refuse to do business with them, and switch to another bank which refuses
to participate in such malicious practices. 

I'm *not* impressed.
--
Ed Carp, N7EKG    			Ed.Carp@linux.org, ecarp@netcom.com
801/534-8857 voicemail			801/460-1883 digital pager
Finger ecarp@netcom.com for PGP 2.5 public key		an88744@anon.penet.fi

Q.	What's the trouble with writing an MS-DOS program to emulate Clinton?
A.	Figuring out what to do with the other 639K of memory.