Bank closed my account without noticing me!

Vladka29

Yesterday I realize I cannot log in into my 365. Today when I called to customer service, they told me my bank account was closed, but they don't know why. They told me to call my branch. I called 4 times to my branch, nobody picked up, I left messages, nobody call me back. Nobody let me know that they gonna close my account. I had an account for 4 years with the constant movements on my account. I still have 1500 euro now on my account and they close it without any notice ? How is this possible ? I'm in mood to call a layer and press charges. It is unbelievable that bank do this to the loyal customer. I have to take half day off tomorrow to go to the branch. Who is going to pay me this ? 

gozunda

Vladka29 wrote: »

Yesterday I realize I cannot log in into my 365. Today when I called to customer service, they told me my bank account was closed, but they don't know why. They told me to call my branch. I called 4 times to my branch, nobody picked up, I left messages, nobody call me back. Nobody let me know that they gonna close my account. I had an account for 4 years with the constant movements on my account. I still have 1500 euro now on my account and they close it without any notice ? How is this possible ? I'm in mood to call a layer and press charges. It is unbelievable that bank do this to the loyal customer. I have to take half day off tomorrow to go to the branch. Who is going to pay me this ? 

If you don't believe the bank have any reason to close your account - is it possible that you have been a victim of fraud? Contact the emergency bank number to report same...

Vladka29

gozunda wrote: »

Vladka29 wrote: »

Yesterday I realize I cannot log in into my 365. Today when I called to customer service, they told me my bank account was closed, but they don't know why. They told me to call my branch. I called 4 times to my branch, nobody picked up, I left messages, nobody call me back. Nobody let me know that they gonna close my account. I had an account for 4 years with the constant movements on my account. I still have 1500 euro now on my account and they close it without any notice ? How is this possible ? I'm in mood to call a layer and press charges. It is unbelievable that bank do this to the loyal customer. I have to take half day off tomorrow to go to the branch. Who is going to pay me this ? 

If you don't believe the bank have any reason to close your account - is it possible that you have been a victim of fraud? Contact the emergency bank number to report same...

I contact the bank 4 times today, if I would be a victim of fraud , wouldnt they tell me that over the phone ? their service is unbelievable.. I will for sure sue them!! Closing account without noticing me ? I had to pay my college today, and more! I have no time for this!!

gozunda

Vladka29 wrote: »

I contact the bank 4 times today, if I would be a victim of fraud , wouldnt they tell me that over the phone ? their service is unbelievable.. I will for sure sue them!! Closing account without noticing me ? I had to pay my college today, and more! I have no time for this!!

Did you raise this as a possibility? It might be a good idea to attempt to ascertain what has actually happened before jumping in with all four feet ...

Btw are you based in Ireland or otherwise?

Vladka29

gozunda wrote: »

Vladka29 wrote: »

I contact the bank 4 times today, if I would be a victim of fraud , wouldnt they tell me that over the phone ? their service is unbelievable.. I will for sure sue them!! Closing account without noticing me ? I had to pay my college today, and more! I have no time for this!!

Did you raise this as a possibility? It might be a good idea to attempt to ascertain what has actually happened before jumping in with all four feet ...

Btw are you based in Ireland or otherwise?

If I was victim of fraud they should let me know.. not closing my account without noticing me. They should ask me first! I'm using this account everyday and this is big big problem for me. 
I'm based in Ireland 

amcalester

Vladka29 wrote: »

If I was victim of fraud they should let me know.. not closing my account without noticing me. They should ask me first! I'm using this account everyday and this is big big problem for me. 
I'm based in Ireland 

Have you recently moved or updated your address since you last moved?

Vladka29

amcalester wrote: »

Vladka29 wrote: »

If I was victim of fraud they should let me know.. not closing my account without noticing me. They should ask me first! I'm using this account everyday and this is big big problem for me. 
I'm based in Ireland 

Have you recently moved or updated your address since you last moved?

Yes actually I updated my address like 2 weeks ago 

amcalester

Vladka29 wrote: »

Yes actually I updated my address like 2 weeks ago 

And how long before that had you moved?

Usually, in my experience of working in retail banking, when the bank decides to close an account 4 weeks notice is given in writing. So that would have been sent to your previous address.

Vladka29

amcalester wrote: »

Vladka29 wrote: »

Yes actually I updated my address like 2 weeks ago 

And how long before that had you moved?

Usually, in my experience of working in retail banking, when the bank decides to close an account 4 weeks notice is given in writing. So that would have been sent to your previous address.

I moved almost year ago and I needed new debit card so I changed the address recently. I don't care if they sent me letter to my previous address, they have no reason to close my account. And they should contact me also different way if they have seen that I didnt get back to them regarding closing account. This is not acceptable!! 

whiteshorts

There has to be a good reason to close the account.
Banks aren't in the habit of closing accounts for no reason.

amcalester

Vladka29 wrote: »

I moved almost year ago and I needed new debit card so I changed the address recently. I don't care if they sent me letter to my previous address, they have no reason to close my account. And they should contact me also different way if they have seen that I didnt get back to them regarding closing account. This is not acceptable!! 

So for 50 weeks any post sent to your old address may have been returned to the bank, that could well be why the account was closed.

It’s up to you to keep the bank informed of your address.

You didn’t and now it looks like the account has been closed.

Go in tomorrow with proof of your new address and they’ll probably reopen it, or remove the block that was placed on it.

And next time you move tell them.

CeilingFly

So you moved address a YEAR agio, but only decided to tell the bank TWO WEEKS ago.

You want to find out who to blame?  Find a big mirror and look into it. There's the person you blame! 


Would really really love to see you "sue" the bank - you will need a lot more than €1500 for the legal costs when you lose.

amcalester

CeilingFly wrote: »

So you moved address a YEAR agio, but only decided to tell the bank TWO WEEKS ago.

You want to find out who to blame?  Find a big mirror and look into it. There's the person you blame! 


Would really really love to see you "sue" the bank - you will need a lot more than €1500 for the legal costs when you lose.

I used to have to deal with people like the OP when working in banking.

They’d come in screaming murder that we “closed their account, how dare you, I’m going to sue”

Usually took about 2 minutes to establish that we’d had post returned and there was no answer on the phone numbers provided because the customer had moved and changed number.

Customer was usually fairly sheepish then.

We’d update the address and phone number and send th customer on his or her way.

Westernyelp

CeilingFly wrote:

You want to find out who to blame? Find a big mirror and look into it. There's the person you blame!

I still dont see whay they would close it. If there was ongoing transactions and it was in credit

whiteshorts

So you moved address a YEAR agio,


Missed that.
As said that's your reason.

amcalester

Westernyelp wrote: »

I still dont see whay they would close it. If there was ongoing transactions and it was in credit

Cuts out money laundering.

Donal55

Do banks still send out letters?

Vladka29

CeilingFly wrote: »

So you moved address a YEAR agio, but only decided to tell the bank TWO WEEKS ago.

You want to find out who to blame?  Find a big mirror and look into it. There's the person you blame! 


Would really really love to see you "sue" the bank - you will need a lot more than €1500 for the legal costs when you lose.

Still, if they didn't get answer from me , they shouldn't close my account without my knowledge. They had no reason to close my account. I never have been in minus or had any problem. It's their fold, and they will pay for that !! 

Vladka29

amcalester wrote: »

Westernyelp wrote: »

I still dont see whay they would close it. If there was ongoing transactions and it was in credit

Cuts out money laundering.

Yes coz I need to laundering my 2000 monthly pay   good one 

amcalester

Vladka29 wrote: »

Still, if they didn't get answer from me , they shouldn't close my account without my knowledge. They had no reason to close my account. I never have been in minus or had any problem. It's their fold, and they will pay for that !! 

Technically it’s not your account. It’s the banks.

They really won’t pay for it and if you go in with an attitude you’ll get short shrift.

Donal55

Just take your money out tomorrow and move on.

Vladka29

amcalester wrote: »

CeilingFly wrote: »

So you moved address a YEAR agio, but only decided to tell the bank TWO WEEKS ago.

You want to find out who to blame?  Find a big mirror and look into it. There's the person you blame! 


Would really really love to see you "sue" the bank - you will need a lot more than €1500 for the legal costs when you lose.

I used to have to deal with people like the OP when working in banking.

They’d come in screaming murder that we “closed their account, how dare you, I’m going to sue”

Usually took about 2 minutes to establish that we’d had post returned and there was no answer on the phone numbers provided because the customer had moved and changed number.

Customer was usually fairly sheepish then.

We’d update the address and phone number and send th customer on his or her way.

I din't change my tel number for 10 years + I spoke with my branch a week ago, they could tell me that they wants to close my account when I was ordering new visa card. Their fold, not mine !! 

amcalester

Vladka29 wrote: »

I din't change my tel number for 10 years + I spoke with my branch a week ago, they could tell me that they wants to close my account when I was ordering new visa card. Their fold, not mine !! 

It doesn’t matter whose fault it is, the preferred outcome is to have the account reopened.

The person on the phone may not have been aware, if the account was being closed for Anti Money Laundering purposes that would not have been obvious to anyone but the AML team.

CeilingFly

Vladka29 wrote: »

CeilingFly wrote: »

So you moved address a YEAR agio, but only decided to tell the bank TWO WEEKS ago.

You want to find out who to blame?  Find a big mirror and look into it. There's the person you blame! 


Would really really love to see you "sue" the bank - you will need a lot more than €1500 for the legal costs when you lose.

Still, if they didn't get answer from me , they shouldn't close my account without my knowledge. They had no reason to close my account. I never have been in minus or had any problem. It's their fold, and they will pay for that !! 

Why not? 
No reply to letters,  probably sent back to them.

Therefore under European money laundering legislation they have no correct address for you.

100% your fault,  absolutely zero fault of the bank.

Vladka29

amcalester wrote: »

Vladka29 wrote: »

I din't change my tel number for 10 years + I spoke with my branch a week ago, they could tell me that they wants to close my account when I was ordering new visa card. Their fold, not mine !! 

It doesn’t matter whose fault it is, the preferred outcome is to have the account reopened.

The person on the phone may not have been aware, if the account was being closed for Anti Money Laundering purposes that would not have been obvious to anyone but the AML team.

I just got really angry, because for me to be without b/a is like being without one hand... and they customer service is very bad, because I really tried to call many times to branch and to customer service... imagine i would have branch 300km away...what then ? 

amcalester

Vladka29 wrote: »

I just got really angry, because for me to be without b/a is like being without one hand... and they customer service is very bad, because I really tried to call many times to branch and to customer service... imagine i would have branch 300km away...what then ? 

Well now you’ve learned how important it is to keep the bank informed of your current address.

368100

Yet another blame the bank thread straight away without taking responsibility for not managing affairs. A year to update an address and then scream about sueing. I worry about people.

Bank needs to ensure it can identify it's customers under anti money laundering regs. It can't run an account if it has returned post. It also would have given written notice but I guess they have to be psychic to find out new address.

OP are you sure the account is closed and not just blocked? You have no case against them by the way.

NewbridgeIR

Not possible to close an account unless balance is nil.

Under CPC, bank needs to give 60 days notice to close an account.

I imagine it's not closed, just blocked.

CeilingFly

Vladka29 wrote: »

amcalester wrote: »

Vladka29 wrote: »

I din't change my tel number for 10 years + I spoke with my branch a week ago, they could tell me that they wants to close my account when I was ordering new visa card. Their fold, not mine !! 

It doesn’t matter whose fault it is, the preferred outcome is to have the account reopened.

The person on the phone may not have been aware, if the account was being closed for Anti Money Laundering purposes that would not have been obvious to anyone but the AML team.

I just got really angry, because for me to be without b/a is like being without one hand... and they customer service is very bad, because I really tried to call many times to branch and to customer service... imagine i would have branch 300km away...what then ? 

You can call into any branch - its stated in the terms and conditions.  

And just in case you think you just call in, shout at a staff member and think they bow in front of you, remember this is YOUR fault. And they can if they wish refuse to deal with you if you are aggressive. 

And make sure you bring proper id including old and new address confirmation.  Otherwise they can decide not to do anything. 

Remember. Be nice and it will be sorted in 5 minutes.  Be stupid and angry and there will be long delay. 

Vladka29

368100 wrote: »

Yet another blame the bank thread straight away without taking responsibility for not managing affairs. A year to update an address and then scream about sueing. I worry about people.

Bank needs to ensure it can identify it's customers under anti money laundering regs. It can't run an account if it has returned post. It also would have given written notice but I guess they have to be psychic to find out new address.

OP are you sure the account is closed and not just blocked? You have no case against them by the way.

On customer service they told me that account is closed ! that's why i'm upset and afraid because I know that account can be closed only when there is 0 in balance. 

Vladka29

NewbridgeIR wrote: »

Not possible to close an account unless balance is nil.

Under CPC, bank needs to give 60 days notice to close an account.

I imagine it's not closed, just blocked.

They told me over the phone that account is closed. 

368100

Vladka29 wrote: »

On customer service they told me that account is closed ! that's why i'm upset and afraid because I know that account can be closed only when there is 0 in balance. 

And did you ask where the money was transferred to in order for them to close it?

scamalert

do i get it corretly OP you ordered new card week ago which prob was sent to 1yr old address,and by the luck seems people returned the mail with the card and your account closed as not to compromise it ?

I know you will say they should called you etc,but theres no guarantees for them that if card bounced your phone nr would be the same to verify details on the phone,so from legal perspective they did you a favor.Unless it was your parents or relatives house registered to previously you seem completely donkey to not inform your bank of address change.

gozunda

Vladka29 wrote: »

If I was victim of fraud they should let me know.. not closing my account without noticing me. They should ask me first! I'm using this account everyday and this is big big problem for me. 
I'm based in Ireland 

Well if you believe "someone" or 'something' may have caused your your account to be closed - then I believe it is up to the client to raise that there 'May' have been possible fraudulent activity on the account. Contact them and find out IF that is the case ...

Ps. If they don't have a valid address for you they could not have 'noticing you ...

Vladka29

368100 wrote: »

Vladka29 wrote: »

On customer service they told me that account is closed ! that's why i'm upset and afraid because I know that account can be closed only when there is 0 in balance. 

And did you ask where the money was transferred to in order for them to close it?

I asked, they told me they have no information on this, that I have to call or come in to my branch 

Vladka29

scamalert wrote: »

do i get it corretly OP you ordered new card week ago which prob was sent to 1yr old address,and by the luck seems people returned the mail with the card and your account closed as not to compromise it ?

I know you will say they should called you etc,but theres no guarantees for them that if card bounced your phone nr would be the same to verify details on the phone,so from legal perspective they did you a favor.Unless it was your parents or relatives house registered to previously you seem completely donkey to not inform your bank of address change.

I change the address first , than I ordered new card, which I got on monday and yesterday they closed my account. Very strange 

Teyla Emmagan

If you read your T&Cs you will find a statement saying the bank has the right to close your account whenever they want, as long as they give you notice in writing. And there generally nothing about how and when they might refund anything left over in the account. All the banks have something similar.

368100

Vladka29 wrote: »

I asked, they told me they have no information on this, that I have to call or come in to my branch 

I suspect the account isn't closed, the person who you were speaking get to had no access as there's a block on it. I could be wrong, just my opinion. All you can do is call or go into branch....let us know

Teyla Emmagan

Vladka29 wrote:

I change the address first , than I ordered new card, which I got on monday and yesterday they closed my account. Very strange

Probably looks like Fraud, that's why. You should be grateful.

Vladka29

368100 wrote: »

Vladka29 wrote: »

I asked, they told me they have no information on this, that I have to call or come in to my branch 

I suspect the account isn't closed, the person who you were speaking get to had no access as there's a block on it. I could be wrong, just my opinion. All you can do is call or go into branch....let us know

I spoke with 3 different people all told me that my account was closed. But they dont know why 

Vladka29

368100 wrote: »

Vladka29 wrote: »

I asked, they told me they have no information on this, that I have to call or come in to my branch 

I suspect the account isn't closed, the person who you were speaking get to had no access as there's a block on it. I could be wrong, just my opinion. All you can do is call or go into branch....let us know

I spoke with 3 different people all told me that my account was closed. But they dont know why 

hgfj

Seems strange to me that they would close or block the account AFTER the address has been updated and the card sent out.  I would just call into the local branch with proof of id and they should probably be able to sort it out there and then. I had a similiar experiance with the credit union. My account had been closed because I hadn't even looked at it for over a year. I called in to make a lodgemt and they said it was closed. Had about 5 grand sitting in it. But they were able to reopen it there and then when I showed proof of address and id.

Vladka29

hgfj wrote: »

Seems strange to me that they would close or block the account AFTER the address has been updated and the card sent out.  I would just call into the local branch with proof of id and they should probably be able to sort it out there and then. I had a similiar experiance with the credit union. My account had been closed because I hadn't even looked at it for over a year. I called in to make a lodgemt and they said it was closed. Had about 5 grand sitting in it. But they were able to reopen it there and then when I showed proof of address and id.

That's what im saying. Very strange. Also, it's not like I haven't use the account, I was using this account constantly almost every day ! 

368100

Vladka29 wrote: »

That's what im saying. Very strange. Also, it's not like I haven't use the account, I was using this account constantly almost every day ! 

In that case it sounds like some sort of fraud, who was at the old address that the bank had on file? They could have gotten access to statements etc

lifeandtimes

Probably because you moved and didbt advise them for over a year. Then call to change your address and get a new card and this would raise alarm bells in their system as possible fraud and they've suspended your account.

Unfortunately this is your doing OP by not changing the address so go in tomorrow, be polite explain what happened in a nice tone and this will be resolved

Westernyelp

amcalester wrote:

Cuts out money laundering.

amcalester wrote:

Cuts out money laundering.

There would still need to be some unusual activity or transactions to attract attention id say

amcalester

Westernyelp wrote: »

There would still need to be some unusual activity or transactions to attract attention id say

Returned post would be enough.

Perhaps the person who changed the address/sent out the card completed a SAR.

We’ve no way of knowing but if the OP goes into a branch he’ll find out.

Bank of Ireland: Kareana

Hi Vladka29,

Thanks for your post here on Boards.

We are sorry to hear you feel this way.

As mentioned above by our colleagues we would advise you to call into your local branch with photo ID and an customer advisor will be happy to look into this for you.

Please let us know if there is anything else we can help you with.

Thanks,

Kareana