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On 7 Feb an AFBANK rep removed $1541.63 from my checking account to pay off my loan. I immediately c
4th of Aug, 2010 by User423953
On 7 Feb an AFBANK rep removed $1541.63 from my checking account to pay off my loan. I immediately contacted the bank to to find out what happened because I had no intentions of paying off the loan this time and I just made a payment the first part of 3 Feb. The customer service rep in the loan department informed me that I would need to talk to another rep, so I left a message on her voice mail and sent an email regarding this. I was told simply via email, "You have a charged off loan, I paid it in full. Thanks Danielle" I continued to call until I talked to Danielle and was told she was not going to reverse the transaction. I explained that this is account I have been paying on and in January, I made payment arrangements with her and since I have not missed a payment. The loan was taken out in Jul. 10, in Oct my payments because of family issues. After receiving a notice and finally getting some relief, I contacted the bank and explained my situation, asked them to stop the automatic debts and I agreed to pay them $50.00 (I have not broken this since I started). Their claim when I talked to them on the phone was I had money in the bank so that is why they paid it off. Yes, it is tax season and I had money, but since I had taken care of them with the payment arrangements I had other bills that were more urgent. Not to mention, that is not the first time I had a signifcant amount of cash in that account and the funds were not touched. The first time, was in Sept 09 and I had a late payments and they were the ones who put the funds in the account. I pleaded my case and then asked to speak to someone else. Danielle put her supervisor on the phone who was the definition of rudeness, she was sure she was right and was not listening to a word of reason. She then pulls up my account and proceeds to tell me what I am spending my money on after I explained that I had just paid bills via electronic debit over the weekend and their actions were going to cause a severe financial bind. That was not her problem and tells me I am not paying my bills she can see on my statement what I am buying. First, that is a foul and none of her business. She explains their bank she have been the first to get paid off. I stated that I did not pay that loan off because I had previous arrangements with them. I was already behind on my bills so I'm not paying anyone off I was catching things up and bringing current. Her attitude and what she said was we are not reversing anything. I sent an email to Danielle asking for her name, and received this response. I am assuming I received this because Danielle forwarded her message stating I was still wanting to discuss this to see what can be done to reverse this transaction. "just let her know it was the sup not a a rep and that it is a done deal. rlu"


I understand the law and collection process, I was making payments and I reached out and made payment arrangements. I would completely understand this better if I was not making any payments at all. This is ridiculous and wrong on so many levels and another case where nanks feel as though they can do anything.

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