I moved from an apartment to a townhouse recently and I went to the bank three times to switch my address. I’m not the primary account holder, I’m the second person on the account. The bank still to this day has not have the correct address in the system, so basically the primary account holder and I have different addresses on one account.

On Aug. 16 of this year I went to check my balance on my checking account, the ATM rejected it 3 times saying that the PIN was incorrect. On the way home I stopped at my bank to check the ATM again, and it took my card. I went inside to retrieve my card and I was told” your numbers are not offset, but your going to have demagnetize and re-enter a new pin number”.

So after filling out the same sheet I filled out 3 times before, the teller then asked me for my address, (She is supposed to have my driver’s license in her hands with the correct address) so I told her my address. She then asked me if I still lived at my previous address, I said “no! I’m at my current address.”

So apparantly all of my correspondence, including my new ATM card, was sent to the old address. When I finally receive my ATM card it was open. The sticker with the 800 number was still on the card, but, who knows, with technology today anyone can be slipping 20 to 30 dollars out of our account. Now I can use my card unless I demagnetize the card and get new pin numbers even though I’ve had the same pin number for over 2 years.

Is this any kind of violation? Can I sue a bank for violation of the privacy act?

On May 26th of this year, my husband and I used Western Union to transfer $3000. I transferred the money to my husband in Houston, TX. He was going to go there on a business trip, but it was cancelled, so he remained here in Chicago. On May 27th, someone other than my husband picked up the money. After two months of going around with Western Union, including writing letters to the CEO, President of the Americas, they claim they followewd their internal protocol, and sent me a letter stating they paid the money to the correct person.

I’ve offered to obtain and send signed affidavits from my husband’s employer to prove he was here in Chicago when the money was picked up, but Western Union isn’t interested. Today, I received a letter from the director of Curstomer Advocate Dept. that if I still want to dispute the claim, I should quote, “see the back of the ‘send money’ form I completed when sending the money.” I have offered to do whatever necessary to prove our case, but nobody at Western Union cares. At this point, I’m wondering if its possible to sue them for a larger amount in order to get their attention, and also find out if a class action lawsuit may be in order.

Please note that I have not spent the last two months trying endlessly to obtain money that doesn’t belong to me. Your help would be very much appreciated, as I believe this to be a theft from someone at the company, and Western Union doesn’t want anybody to know.

Can a credit card company sign you up for a credit card without your knowledge or consent?