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I can't cash my paycheck anywhere!



bea2ls


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Sub: I can't cash my paycheck anywhere!
Tue, 09/02/2010 19:41

can someone please help me? I cannot cash my paycheck anywhere! I have a live check because my bank account is frozen (bank levy) and if i cash my check there they will take out the money i owe for for NSF. I need my whole paycheck to give my landlord a money order for rent (i need all but $2). I have to give him a money order because i had a check bounce in the past.
The bank it is drawn on was closed because of the snow we had but i have a lot of questions.
First my paycheck says Fleet bank. they are now bank of america, will that be a problem?
I tried to cash my check at wal mart and they will not let me because i bounced a check with them before. i tried a few other places and i could not there neither. i am trying not to go to a check cashing place because they will take so much money out that i would not be able to afford rent.
will bank of america cash it if the check says fleet on it? is it right that wal mart will not cash my check? i bounced a check with them years ago but do not owe anyone anything for bounced checks. i do not even write checks anymore! my landlord check bounced only because of my landlord.


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bea2ls
bea2ls

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Sub: #1 Quote:Originally Posted by tyleeashbea2ls Breathe in breathe Tue, 02/09/2010 - 19:41



Quote:
Originally Posted by tyleeash
bea2ls
Breathe in breathe out! It's all going to be ok!!! I have been in the same spot as you and it will be ok!! :)

thanks for the encouragement :)

My new blog.. on trying to get out of debt, making extra money online, just little things I have picked up along the way... http://what-shoulda-been.blogspot.com Updated regularly


bea2ls
bea2ls

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Sub: #2 Quote:Originally Posted by Anonymousyou will be able to set up aTue, 02/09/2010 - 19:38



Quote:
Originally Posted by Anonymous
you will be able to set up a "checking" account but it will be restricted, no checks, no overdraft protection etc. If you have Chase bank in your area you can try there first. You can also try a credit union. Good luck

thanks for the information, i do appreciate it. but i know i am on chexsystems, it has nothing to do with my current situation, it is not true about the restricted part, i actually have found several banks to chose from who offered me full access accounts. i am with a credit union now.. i am not too thrilled with them but they are helping me out now. i have also found bigger banks, such as td bank (formerly commerce) who had no problem opening my account. it might have helped that my report was marked as paid, i have no fraud listed and this goes back awhile. i am not concerned about anything to do with my bank accounts now.. my problem was really with telecheck, not chexsystems.

My new blog.. on trying to get out of debt, making extra money online, just little things I have picked up along the way... http://what-shoulda-been.blogspot.com Updated regularly


bea2ls
bea2ls

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Sub: #3 [QUOTE=RUSTLERS;651432]:DI'm curious. In your first posting, youTue, 02/09/2010 - 19:36



[QUOTE=RUSTLERS;651432]:DI'm curious. In your first posting, you stated that you have a bank levy and that your account had been frozen. Sounds like you are on Chexsystems. You will remain there for 5 whole years. You will not be able to open a checking acct anywhere. That is the first thing they do to collect what is owed them and to safeguard the entire banking industry from great people like you who happen to come across hard times.[/QUOTE]

no need to be curious. PNC reported me to chex systems 4 years ago when they messed up and did not block my account as promised. after charging me nearly $1,000.00 in fees they reported me. my bank is aware that i am on chexsystems and they do not care because there was no fraud reports. i am fully aware of how this works. i am the one who froze this account while i file for a hardship for this levy. there is no need to be nasty and your post is inaccurate. this board is full of advice for victims of chexsystem. you do not know me, so why do you feel the need to judge. but do not bother answering that, as honestly i do not care.

My new blog.. on trying to get out of debt, making extra money online, just little things I have picked up along the way... http://what-shoulda-been.blogspot.com Updated regularly


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Sub: #4 New accountsMon, 02/08/2010 - 23:57



you will be able to set up a "checking" account but it will be restricted, no checks, no overdraft protection etc. If you have Chase bank in your area you can try there first. You can also try a credit union. Good luck


RUSTLERS
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Sub: #5 :DI'm curious. In your first posting, you stated that you have aMon, 02/08/2010 - 21:37



:DI'm curious. In your first posting, you stated that you have a bank levy and that your account had been frozen. Sounds like you are on Chexsystems. You will remain there for 5 whole years. You will not be able to open a checking acct anywhere. That is the first thing they do to collect what is owed them and to safeguard the entire banking industry from great people like you who happen to come across hard times.


tyleeash
tyleeash
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Sub: #6 bea2ls Breathe in breathe out! It's all going to be ok!!! IMon, 02/08/2010 - 13:08



bea2ls

Breathe in breathe out! It's all going to be ok!!! I have been in the same spot as you and it will be ok!! :)


bea2ls
bea2ls

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Sub: #7 thanks, i will do that.. it just surprised me that i was still oMon, 02/08/2010 - 07:29



thanks, i will do that.. it just surprised me that i was still on there! i will gladly pay if i do owe but am pretty sure i have taken care of it.
my landlord took the money order, so it does not seem to be a problem there :)

My new blog.. on trying to get out of debt, making extra money online, just little things I have picked up along the way... http://what-shoulda-been.blogspot.com Updated regularly


kscornell
kscornell

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Sub: #8 They should give you a phone number to Telecheck and when you caSun, 02/07/2010 - 19:43



They should give you a phone number to Telecheck and when you call them, they will tell you why you are in their system and give you the name of the creditor that put you there. It might be a case of the creditor not clearing you once you paid off the check. I would give them a call and see what comes up in their system.


bea2ls
bea2ls

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Sub: #9 looking back, i agree soaplady... i should have went back i thiSun, 02/07/2010 - 09:39



looking back, i agree soaplady... i should have went back i think i was just in such a hurry because he could not reach me if he was looking for the check (he has a drop box). it is so crazy how you get used to having a phone on you all the time... now i am so paranoid without it!

My new blog.. on trying to get out of debt, making extra money online, just little things I have picked up along the way... http://what-shoulda-been.blogspot.com Updated regularly


SOAPLADY
SOAPLADY


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Sub: #10 Personally I would have made them cancel the MO and redo it. Sun, 02/07/2010 - 09:34



Personally I would have made them cancel the MO and redo it.

When I was in college I worked in the data center of a bank. We got torn and ripped checks and money orders all time. They just have to be handled manually.

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