For what it is worth, I think failing to honor a legitimate check drawn on the bank is a no-no -- certainly coercing you to open an account with them in order just to have a legitimate check on their own institution honored is not appropriate behavior on the bank's part in my opinion.
If you end up writing a letter, include this information (taken verbatim from the FDIC website):
- Complainant's name, address, telephone number;
- The institution's name and address;
- Type of account involved in the complaint--checking, savings, or loan--and account numbers, if applicable;
- Description of the complaint, including specific dates and the institution's actions (copies of pertinent information or correspondence are also helpful);
- Date of contact and the names of individuals contacted at the institution with their responses;
- Complainant's signature and the date the complaint is being submitted to the regulatory agency.
And here are the addresses for written consumer complaints:
Federal Deposit Insurance Corporation
Division of Supervision and Consumer Protection
550 Seventeenth Street, NW
Washington, DC 20429
Office of Thrift Supervision
Consumer Affairs Office
1700 G Street, NW
Washington, DC 20552
Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Suite 3710
Houston, TX 77010
A great reply! Thanks for the info!
You will get no where except in the shred bin.
Any financial institution can refuse service to anyone they want to pretty much.
If they suspect fraud--thats all they need to say and case closed.
FDIC doesn't have anything to do with this whatsoever as well.
You get an award for the most helpful and informative post of the week for sure. Great FReeper Form! Way to Go!