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Payment process. I transferred {$300000.00} from my checking account on XX/XX/XXXX to pay down my line of credit. The bank took my money and refuses to pay down the line of credit. Its now XX/XX/XXXX. I transferred {$100000.00} from my checking account on XX/XX/XXXX to pay down my line of credit. The bank took my money and refuses to pay down the line of credit. Its now XX/XX/XXXX. This is systemic fraud. The bank funds my line draws the same day theyre requested, then sits on monies to charge additional interest. This has negatively impacted my credit score, ability to obtain financing, eliminated my access to a line of credit that they are contractually obliged to fund and charging me interest that they are not entitled to ; Im sure this isnt an isolated case.