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SCRA Help!!!!

I've used the SCRA to lower the interest rates on all my loans and credit, and I know it helps with mortage and student loans and all that good stuff.

It also covers over draft fees correct? I know I can't be charged late payments, so I assume overdraft fees are also protected?

Bank of America really screwed me today and I'm sooooo mad!

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Re: SCRA Help!!!!

  • I'm pretty sure it doesn't. That just seems silly.

    May I ask how the bank screwed you over? 

    Baby Birthday Ticker Ticker
  • Grr.

    I switched over to USAA a few weeks ago, so i cancelled ALL bill pay payments I had set up, and yet, somehow they still went through. I even double checked and it said there are no more recurring payments. So when the payments came out, there was no money in that particular account anyway (as I had put it all into my USAA account)

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  • You can still be charged late fees and overdraft fees.  SCRA isn't intended to waive financial obligations. 
    Twin boys due 7/25/12
  • Have you called and talked to BofA? I understand why you are pissed, I would be, too, but this is a BofA problem, not a military related problem. Did you print anything out that showed that you cancelled the payments? Do you have any documentation?

    This is good to know, that BofA pulls this crap. We are likely switching away from BofA and I don't want to have to deal with this, during an OCONUS PCS.

    I hope you are able to get this squared away. This sounds like a customer service issue.
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  • I agree with the other replies that you'll need to talk to BoA's customer service. It's on them to get your fees taken care of. I hope you don't have too much of a hassle when you call. 

     

    Smudges, are y'all leaving the US, again? 

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  • imageblueshirt2003:

    I agree with the other replies that you'll need to talk to BoA's customer service. It's on them to get your fees taken care of. I hope you don't have too much of a hassle when you call. 

     

    Smudges, are y'all leaving the US, again? 

    We are PCSing to Germany in February or March. This will be my first OCONUS move. DH did a year in Korea, but that was well before I met him. It wasn't something we anticipated, but we are really excited about it! Well, not the physical move, but living in Germany!
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  • So, you're purposefully trying to get knocked up two months before you leave for pre-deployment training?
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  • imageLemonLover33:
    So, you're purposefully trying to get knocked up two months before you leave for pre-deployment training?

    She's actively been trying to get pregnant since she signed the enlistment papers. Like before shipping out to basic. She comes back every few months, gets flamed then leaves. Rinse & repeat.

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  • imageLace&Josh:

    imageLemonLover33:
    So, you're purposefully trying to get knocked up two months before you leave for pre-deployment training?

    She's actively been trying to get pregnant since she signed the enlistment papers. Like before shipping out to basic. She comes back every few months, gets flamed then leaves. Rinse & repeat.

    Yeah, I guess I shouldn't even start it. I'm really shocked by her ignorance about TTC. She wants to jump from Clomid (sp?) to IVF. And she's hoping for a referral to an RE but a RE probably can't get her in within two months not to mention even start treatment. I just started postin about a month before she headed off to BCT and I thought she okay back then. 

    30 Rock Pictures, Images and Photos
  • imageHinessn:

    I've used the SCRA to lower the interest rates on all my loans and credit, and I know it helps with mortage and student loans and all that good stuff.

    It also covers over draft fees correct? I know I can't be charged late payments, so I assume overdraft fees are also protected?

    Bank of America really screwed me today and I'm sooooo mad!

    OP, are you deployed? The quick Google search I did indicated that deployed service members are protected from late fees and overdraft charges. Simply being a member of the armed forces does not give you a free pass on paying bills on time and/or ensuring that you have sufficient funds available to cover your transactions. Yes, I understand that BofA seems to have screwed up here, under normal circumstances, a service member who is not deployed is expected to honor their financial commitments.
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  • Whenever I have cancelled auto pay in the past, it usually tells me something about how it might not "go through" until the next cycle, so keep money in there just in case or whatever as a cushion.
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    I changed my name
  • imageLemonLover33:
        She wants to jump from Clomid (sp?) to IVF.
    Hmm 

    That's something I've never understood about OP.  She seemed hell bent on getting into the military because that's what her parents did, but then she was TTC instantly to try to get out of it. 

    Unless OP goes to Dr. Kamrava, I don't imagine she'll find anyone willing to do IVF all willy nilly without a diagnosis that warrants it.

    Twin boys due 7/25/12
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