BANK ATLANTIC SCAMS ITS CUSTOMERS. HOW DOES BANK ATLANTIC STEAL? READ BELOW: BANK ATLANTIC CREATES A SOFTWARE PROFILE OF HOW YOU USE YOUR ACCOUNT, HOW MUCH MONEY YOU PUT IN YOUR ACCOUNT, HOW MANY NSF, OR INSUFFICIENT CHECKS YOU HAVE....AND IF YOU HAVE A LARGE ENOUGH ACCOUNT AND INCOME EVERY TWO WEEKS TO PAY FOR THE NSF CHARGES EACH MONTH. REMEMBER THAT ALL BANKS MAKE BILLIONS OF DOLLARS EVERY YEAR OFF YOUR NSF CHARGES. DO BANKS LOSE ANY MONEY WHEN YOU HAVE AN NSF CHARGE? NO, THEY LOVE IT, BECAUSE YOU WILL EVENTUALLY HAVE TO PAY THE NSF CHARGE OR LOSE YOUR ACCOUNT AND LOWER YOUR CREDIT RATING, LOSE THE ABILITY TO CASH CHECKS, OR USE YOUR ATM CARD. BANKS LITERALLY AND FIGURATIVELY HAVE A GUN POINTED AT YOUR HEAD...IF YOU DON'T PAY UP. SIMPLY PUT, BANKS HAVE YOU BY THE CAJONES. WHEN YOU PUT YOUR MONEY IN A BANK, IT'S LIKE GIVING THEM YOUR MONEY FOR FREE. THE BANK MAKES ITS MONEY OFF YOUR ACCOUNT BY NSF CHARGES. BANK ATLANTIC ESPECIALLY APPEALS TO POOR AND WORKING CLASS PEOPLE, WHO OFTEN HAVE A HARD TIME MAKING ENDS MEET. BUT BANK ATLANTIC SAYS IT 'OFFERS FREE CHECKING'...BLAH, BLAH BLAH. THEY ARE LIARS. BANK ATLANTIC HAS FIGURED OUT HOW TO MAKE YOU PAY FOR ALL THE 'FREE STUFF' THEY CLAIM TO GIVE YOU. READ BELOW: HOW DOES BANK ATLANTIC MAKE YOU PAY? BANK ATLANTIC TAKES ONE LARGE CHECK THAT HAS BOUNCED....AND PUTS IT BELOW 5-6 OR SIX OTHER CHECKS, OR POINT OF SERVICE SALES....CHECKS WHICH HAVE ALREADY CLEARED....SO THAT INSTEAD OF HAVING ONE CHECK BOUNCE AT $32, YOU HAVE 6-7 CHECKS THAT BOUNCE AT $32 EACH. BANK ATLANTIC THEN STEALS $192.00 OR MORE IN NSF CHARGES OUT OF YOUR ACCOUNT IN NSF FINES. I CAUGHT BANK ATLANTIC MANIPULATING MY BANK ACCOUNT SO THAT I INCURRED NSF CHARGES TWICE. THE SECOND TIME I GOT DOCUMENTATION. THE FIRST TIME I SAW BANK ATLANTIC MANIPULATING MY ACCOUNT...I COULD NOT BELIEVE A BANK COULD BE DISHONEST. I WAS WRONG. I WENT ONLINE AND FOUND THAT MY BANK ACCOUNT ORIGINALLY HAD A POSITIVE BALANCE AFTER 6 OF MY CHECKS OR POINTS OF SALE WERE ENTERED INTO MY ONLINE BANK STATEMENT. NO CHECKS BOUNCED. ONE DAY LATER, A $1000 CHECK WAS SHOWN FIRST AT THE TOP OF MY CHECKING ACCOUNT...SO I HAD ONLY 1 NSF CHECK CHARGE. THIS APPEARED LOGICAL AND LEGAL. A SECOND DAY LATER, BANK ATLANTIC, USING ITS SOFTWARE PROGRAM, PUT THE $1000 LARGE NSF CHECK BELOW THE 6 PREVIOUS DEDUCTIONS WHICH HAD ALREADY CLEARED THE BANK. THIS MEANT THAT ALL THE 6 PREVIOUSLY CLEARED CHECKS....WERE NOW IN THE RED AND ALL BOUNCED. I COULD NOT BELIEVE MY EYES!!!! TO MY SURPRISE, I WENT FROM 1 NSF CHARGE, TO 6 NSF CHARGES WHICH THEN TOTALED 7 CHECKS OR POINTS OF SALE CHARGES WHICH I WAS THEN CHARGED $32 EACH IN NSF FUNDS BY BANK ATLANTIC. THIS #$#$%^@**@ BANK HAD JUST CHARGED ME A TOTAL OF $224.00 FOR 7 BAD CHECKS......I SHOULD HAVE ONLY BEEN CHARGED $32 FOR 1 BAD CHECK. WHEN I SHOWED THE TWO DIFFERENT STATEMENTS TO A BANK OFFICER ON MIAMI BEACH, HE SAID....WOW! 'I DIDN'T KNOW WE DID THAT?'...AND AGREED IT LOOKED LIKE THEFT USING COMPUTER SOFTWARE TO MOVE A LARGE CHECK FROM THE TOP OF AN ACCOUNT TO LOWER DOWN ON THE LIST OF DEBITS....SO MANY OTHER CHECKS BOUNCED AS WELL. WHEN I CALLED BANK ATLANTIC I WAS TOLD DIFFERENT LIES. THE BANK MANAGER'S LIES WERE...'BANK ATLANTIC ALWAYS PAYS THE LARGEST CHECK FIRST, BECAUSE IT MIGHT BE A MORTGAGE PAYMENT.' (NOTE: THIS WAS NOT A MORTGAGE PAYMENT) EXCUSE ME? BANK ATLANTIC DOES NOT HAVE MY PERMISSION TO PAY ANY CHECK FIRST OR RE-ARRANGE MY CHECKING ACCOUNT SO MORE CHECKS BOUNCE. WHO ARE THESE PEOPLE? BANKING REGULATIONS DEMAND THAT ANY BANK PAY FOR CHARGES ON THE DATE THE CHARGE COMES IN AND IS VERIFIED. BANKS DO NOT HAVE THE RIGHT TO MOVE YOUR MONEY AROUND, OR CHANGE YOUR CHARGES OR DEBITS SO THAT THEY DO NOT CLEAR...AND SUBSEQUETLY BOUNCE. BANK ATLATNIC DOES THIS SO YOU WILL HAVE TO PAY MORE IN NSF CHARGES!!!! THIS IS THEFT USING COMPUTER SOFTWARE PROGRAMS. THIS IS STEALING JUST AS IF SOMEONE PULLED A GUN AND ROBBED YOU OF YOUR WALLET OR PURSE. PLEASE KNOW THAT BANKS AND BANKERS ARE NOT HONEST. BANKS WOULD BE MORE HONEST IF THEY JUST TOOK A GUN AND HELD UP A CORNER DRUG STORE AND ADMITTED BEING A THIEF. ----------------------------------------------------------------------------- SECOND SCAM: BANK ATLANTIC AND OTHER SUCH BANKS AS BANK AMERICA MAKE ACCOUNT HOLDERS JUMP THROUGH HOOPS IN ORDER FOR YOU TO GET INTO YOUR ACCOUNT AND PASS THROUGH ALL THE SECURITY PRECAUTIONS. NOT ONLY IS A PASSWORD REQUIRED, BUT MORE INFORMATION IS ASKED OF YOU, WHICH I FOUND OUT WAS PURE BULL SH*T. ANYONE, AT ANY TIME CAN TAKE MONEY OUT OF YOUR ACCOUNT. WHAT I FOUND OUT IN MY INVESTIGATION, IS THAT BANKS COULD USE MANY OTHER METHODS TO SECURE ACCESS TO YOUR ACCOUNT WHICH WOULD PREVENT ONLINE AND BANK THEFT...BUT DO NOT BECAUSE THEY MAKE MONEY OFF YOU AFTER MONEY HAS BEEN STOLEN OUT OF YOUR ACCOUNT. READ ON: WHEN BANKS ASK YOU FOR MANY TYPES OF INFORMATION SO YOU CAN GET INTO YOUR ACCOUNT...IT IS JUST A PUBLIC RELATIONS TRICK TO MAKE YOU THINK...YOUR MONEY IS SAFE. THIS FOLKS IS JUST ANOTHER BANK SCAM. IN THE LAST YEAR, THREE DIFFERENT ENTITIES ENTERED INTO MY BANK CHECKING ACCOUNT, WITHOUT MY PERMISSION, AND WITHOUT ME GIVING ANY INFORMATION ABOUT MY ACCOUNT..... TOOK OUT THOUSANDS OF DOLLARS. WHAT IS WORSE, IS THAT THE BANKS KNOW THIS IS GOING ON...AND ALLOW IT TO HAPPEN. THIS MAKES BANKS ACCESSORIES TO THEFT, FRAUD, AND ROBBERY. IMAGINE THIS: WE CAN PUT A MAN ON THE MOON, BUT THE BANKS CLAIM THEY CAN'T KEEP YOU FROM BEING ROBBED? DO YOU BELIEVE THIS? I DON'T. HOW DID THEY DO THIS? AND WHAT DID THE BANK DO TO HELP ME GET MY MONEY BACK? I FOUND OUT THAT ALL THE HOOPLA ABOUT HAVING TO PUT IN YOUR NAME, ADDRESS, PHONE NUMBER, AND CVV (3 DIGIT NUMBER ON THE BACK OF YOUR DEBIT CARD)....IS PURE BALONEY. ANYONE CAN TAKE ANY NUMBER, SUCH AS THE NUMBER ON YOUR ATM CARD....AND WITHDRAW THOUSANDS OF DOLLARS OUT OF YOUR ACCOUNT....WITH OUT YOUR NAME, ADDRESS, PHONE NUMBER AND CVV...OR YOUR PERMISSION. LOOKING AT MY ONLINE BANK STATEMENT, I FOUND SUCH ENTITIES AS 'TONY'S PIZZA' IN NEW JERSEY, AND DUNCAN DONUTS, IN RHODE ISLAND (WHERE I HAVE NEVER BEEN IN MY ENTIRE LIFE)....TOOK OUT THOUSANDS OF DOLLARS OUT OF MY ACCOUNT. I AM STILL RECOVERING FROM ALL THE NSF FUNDS I HAD TO PAY BECAUSE OF THIS THEFT. WHAT DOES THE BANK DO? SOMETIMES THEY GIVE YOU BACK YOUR MONEY...HOWEVER, WHILE YOU ARE IN A NEGATIVE BALANCE AFTER GETTING ROBBED.....THE BANK THEN CHARGES YOU $32 PER NSF (INSUFFICIENT CHECK CHARGE)....EACH TIME YOU ACQUIRE ANOTHER CHARGE WHEN YOU ARE IN A NEGATIVE BALANCE AFTER BEING ROBBED. FURTHERMORE, THE BANK TAKES ITS TIME...FIGURING OUT WHAT TO DO. I WAS STANDING IN A BANK, LOOKING AT THE COMPUTER WITH A BANK OFFICER, WHEN 'TONY'S PIZZA' TOOK ANOTHER $300 OUT OF MY ACCOUNT. I BEGAN SCREAMING...STOP, STOP THEM, THEY ARE ROBBING ME AS I STAND HERE RIGHT IN SIDE A BANK. WHAT DID THE BANK DO? NOTHING, THEY CLAIMED IT WOULD TAKE THEM TIME TO STOP WHO EVER IS ROBBING ME. TAKING MATTERS IN MY OWN HAND..I WITHDREW EVERY CENT I HAD OUT OF THIS BANK ACCOUNT (BANK OF AMERICA)...AND F@#$##$# DARED THE BANK TO CHARGE ME NSF FUNDS FOR ANY FUTURE PURCHASES. GET THIS...BANKS ALWAYS MAKE MONEY...ALWAYS, EVEN IF IT IS THEIR FAULT. I WILL GIVE BANK OF AMERICA CREDIT, THEY DID APOLOGIZE. BUT ALSO ADMITTED THAT BETTER SECURITY MEASURES COULD BE PUT IN PLACE...BUT DIDN'T KNOW WHY BANKS WERE NOT UP TO SPEED TO KEEP SUCH PEOPLE AS ME BEING ROBBED. LATER, I LEARNED AGAIN, THAT EVERY TIME YOU ARE ROBBED, AND HAVE NSF CHECKS AS A RESULT...THE BANKS MAKE MONEY. BANKS KNOW EXACTLY WHAT THEY ARE DOING BY HAVING LAX OR BAD SECURITY MEASURES. ---------------------------------------------------------------------------- SCAM #3. RECENTLY, I DEPOSTED A REFUND CHECK FOR MORE THAN $500 FROM A WELL-KNOWN STORE. I WENT TO THE BANK TELLER'S COUNTER, SIGNED THE BACK OF THE CHECK, AND RECEIVED A DEPOSIT SLIP AND RECEIPT THAT THE CHECK WAS DEPOSITED. I WAS TOLD BY THE TELLER, THAT THE BUSINESS CHECK OF $500 WOULD BE AVAILABLE IN MY ACCOUNT IN ABOUT 2 DAYS. GUESS WHAT....BANK ATLANTIC ROBS ME AGAIN!!!!!! HOWEVER....I GET A COMPUTER GENERATED LETTER FROM BANK ATLANTIC, WHICH SAYS....'THE CHECK IS BEING WITHHELD FOR 7 OR MORE DAYS...BECAUSE IT WAS 'DAMAGED' OR 'LOST' WHILE IN COLLECTIONS!!!!! WHAT THIS MEANS IS THAT BANK ATLANTIC EITHER LOST OR DAMAGED MY ^@#$%$@#@% CHECK. DID THEY DO IT ON PURPOSE? I BELIEVE THEY DID AFTER ALL THE OTHER MANIPULATIONS TO MAKE ME PAY NSF CHARGES...BECAUSE THEY KNOW I DEPOSIT ENOUGH MONEY IN MY ACCOUNT TO COVER THE NSF CHARGES EACH MONTH. IN THE MEAN TIME, ALTHOUGH IT IS BANK ATLANTICS FAULT, WHICH THEY ADMIT....GUESS WHAT? BANK ATLANTIC HAS JUST CHARGED ME $32 FOR 2 NSF CHECKS....WRITTEN WELL AFTER THE 2 BUSINESS DAYS THE $500 CHECK WAS SUPPOSE TO HAVE CLEARED! HOW LONG DID IT TAKE FOR BANK ATLANTIC TO INFORM ME BY MAIL THAT THE $500 WAS NOT GOING TO BE AVAILABLE? ...10 LONG DAYS. DID THIS INFORMATION SHOW UP IN MY ONLINE STATEMENT, OR IN A MESSAGE TO ME ONLINE? NO...NOT NO, BUT HELL NO. MY ONLINE CHECKING ACCOUNT CONTINUED TO SHOW THAT I HAD $500 MORE IN MY ACCOUNT, WHICH I USED TO MAKE PURCHASES AND PAY BILLS. DOES BANK ATLANTIC KNOW THAT THEIR NEGLIGENCE, OR WHAT I THINK IS CALCULATED THEFT.....COST ME ANOTHER $32 Xs 2? YES THEY DO. EVERY BANK KEEPS TRACK OF HOW MUCH MONEY YOU HAVE TO PAY IN NSF FUNDS. BANK ATLANTIC WILL NOT BE LAUGHING MUCH LONGER AT MY EXPENSE. ____________________________________________________ SCAM #4. HYDRODERM FACE CREAM Hydroderm face cream, located in Tarzana, California offered a 'free trial' of their face cream for the cost of shipping...about $6.95. In paying for the Hydroderm face cream, I had to enter my ATM check card and other information. I believed I would be charged only $6.95 for shipping. To my surprise, Bank Atlantic THEN allowed Hydroderm to access my account in 29 transactions in just two weeks, and took out of my account more than $400.00!!! What the hell? I found out that once an online company has your ATM card number, there is no way to click or designate a one-time payment to this company for $6.95. Instead, Hydroderm stole $400 in two weeks. As soon as I ran to Bank Atlantic to try and get my money back, I was surprised to learn that Bank Atlantic really didn't want to do anything about it. The Bank Atlantic customer service agents said...'Oh well, once you give someone your account number, there isn't much we can do.' What the hell? I said. Again, I had to cry, whine, and beg that my money be returned. I had to fill out forms, sign documents, and then wait for another form to come in the mail in order to get my money back. Bank Atlantic never sent the 'proper form' I was to sign, which could have been signed in the bank....in order for me to get my money back. Why wouldn't they allow me to sign the claim form in the bank? Because again folks, by delaying your claim, more money is taken out of your account...and you are now liable for more NSF charges after being robbed. Bankers know exactly how to rob you. However, in the meantime...Bank Atlantic is charging me $32 every time a check does not clear, because my checking account has just been robbed of $400. Again, and again....Bank Atlantic makes money when your account has been robbed. Bank Atlantic does not get robbed, you get robbed TWICE....once by the azzholes who steal out of your account, and then robbed again by Bank Atlantic who makes money after you have been robbed by charging you NSF charges on the money Bank Atlantic allowed to be robbed out of your account. Is this fair? ------------------------------------------------------------------------- SCAM #5. HOLDING ON TO CHECKS WHICH NORMALLY WOULD TAKE ONLY A FEW DAYS TO CLEAR I HAVE AN ELECTRONIC DEPOSIT FROM A GOVERNMENT ENTITY PUT MONEY INTO MY ACCOUNT EVERY TWO WEEKS. WHAT BANKS TELL YOU, IS THAT IF YOU USE AN ELECTRONIC DEPOSIT, YOUR MONEY IS SUPPOSED TO BE AVAILABLE FOR YOUR USE IMMEDIATELY. IN THE LAST YEAR, TWO TIMES, BANK ATLANTIC HAS DISHONORED THIS BANKING POLICY...AND MADE ME WAIT FOR DAYS BEFORE MY MONEY WAS AVAILABLE. IN THE MEANTIME, YOU GUESSED IT, I INCURRED MORE NSF CHARGES. THE GOVERNMENT AGENCY WHO ELECTRONICALLY DEPOSITS MONEY INTO MY ACCOUNT, HAS NEVER HAD A SINGLE PAYROLL CHECK BOUNCE IN 85 YEARS. WHAT IS BANK ATLANTIC DOING? AGAIN, THEY ARE SETTING UP MY ACCOUNT AND DEPOSITS, SO I WILL HAVE BAD CHECK CHARGES AND AGAIN....AND STEAL MONEY OUT OF MY ACCOUNT. OTHER BANKS HAVE A POLICY, THAT IF YOU HAVE REGULAR DEPOSITS AND THE ACCOUNT PAYER HAS NEVER HAD AN NSF CHARGE, THE BANKS WILL HONOR THE CHECK IMMEDIATELY. BANK ATLANTIC SETS YOU UP, SO THAT YOU WILL HAVE NSF FUNDS AND THEY CAN CHARGE NSF FEES OVER AND OVER AGAIN...CLAIMING THEY HAVE TO “WAIT” FOR A CHECK TO CLEAR. THEY ARE LIARS! _____________________________________________________________________________ BANK ATLANTIC HAS LITTLE SWEET OLD LADIES, AND YOUNG GUYS, WHO ARE TRAINED TO GET YOUR CONFIDENCE. THESE PEOPLE ARE CON ARTISTS....THEY ARE THIEVES....AND THE CEO'S, STOCK HOLDERS, AND BANK ADMINISTRATORS KNOW EXACTLY WHAT THEY ARE DOING, IN WHICH THE BANKS are IN THE BUSINESS OF STEALING YOUR MONEY. DO OTHER BANKS DO THIS? SOME DO, AND SOME DON'T. HOWEVER, I HAVE SHOWN DOCUMENTATION OF BANK ATLANTIC'S THEFT TO OTHER BANKERS, AND ONE COMMENT WAS 'GEE, I WISH OUR BANK DID THIS, IT WOULD GENERATE MILLIONS OF DOLLARS IN NSF CHARGES.' ----------------------------------------------------------------------------- I WANT BANK ATLANTIC TO SUE ME, TAKE ME TO COURT....I WANT THE PUBLICITY. I WANT TO BE ON TELEVISION AND HOLD UP THE DOCUMENTATION OF WHAT BANK ATLANTIC IS DOING. THIS IS A MATTER OF PRINCIPAL. I TRUSTED BANK ATLANTIC TO NOT STEAL MY MONEY...OR ALLOW OTHERS TO STEAL MY MONEY. I TRUSTED BANK ATLANTIC TO BE HONEST BUSINESS PEOPLE TO NOT STEAL WHAT IS LEFT OF MY MONEY....AFTER I HAVE BEEN ROBBED THE FIRST TIME. I DO NOT LIKE BEING A VICTIM! WHAT BANK ATLANTIC IS DOING IS UN-AMERICAN AND REMINDS ME OF HOW THIRD WORLD, BANANA REPUBLICS STEAL AND DEFRAUD THEIR CUSTOMERS. I WANT TO DEMONSTRATE IN A COURT OF LAW... BANK ATLANTIC'S THEFT AND SHOW SOUTH FLORIDA THAT WE HAVE YET AGAIN...ANOTHER GROUP OF FLIM FLAM ARTISTS WHO CALL THEMSELVES BANKERS AND ABUSE THE PEOPLE'S TRUST. BANK ATLANTIC IS A SOUTH FLORIDA CORPORATION...WHICH I THINK IS OWNED BY THE MAFIA. PLEASE NOTE: THAT WHEN I TRIED TO FIND OUT THE ADDRESS AND PHONE NUMBER OF BANK ATLANTIC'S CORPORATE OFFICES TO FILE A COMPLAINT...OR FIND OUT WHO THE PRESIDENT OR CEO OF BANK ATLANTIC IS....NOT ONE OF THE TELLERS, BANK MANAGERS, OR ONLINE CUSTOMER SERVICE PEOPLE WOULD TELL ME. HOW DARE THEY! ----------------------------------------------------------------------------- IF YOU HAVE ANY BANKING HORROR STORIES, SHARE YOUR STORY WITH US IN THIS BLOG. WHEN YOU WRITE ABOUT IT, INCLUDE DOCUMENTATION OF HOW YOU WERE RIPPED OFF. DON'T BE A VICTIM, FIGHT BACK NOW........ ---------------------------------------------------------------------------- MZ ANONYMUZ 10 22 06