I made a deposit in my checking account ($10k), and my bank put a hold on the funds without telling me. (This is a low- average deposit for me) I have banked at this bank for about 11 years. When I went online, my full deposit showed & I used my online banking to pay my bills. My bank took money from the "held" funds for their returned check charges(@ $35. each) however, they did not honor the checks I sent. I have about $950.00 in returned check & over draft fees from the bank and about $1,450.00 in late fees from creditors, in addition to numerous 30 day late notices showing up on my credit. (My average FICO score prior to this was 790). I have been calling & sending letter's since Feb. 2007. I just received a notice that my accout was closed, and the bank sited a "charge off" for $786.24.
They have trashed my credit!
In addition, one of my other checking accounts just wrote me a letter stating they are going to close my checking account (at the end of the month) at their institution, due to a "derogatory" report on my credit!
Please help!!!!
Bank put hold on deposit & charged returnted check fee's 
