It was 2020.
It was right before Mr. Hwang was going to file his first civil complaint in the United States because of the car accident which had happened on October 5, 2019.
The civil complaint must have been filed within the statue of limitations.
The statue of limitations is 1 year according the Tennessee Code.
It is law.
Right before his filing, something weird happened.
His bank account became minus.
That meant that his financial activites stopped and were disrupted.
There was money in his bank account.
Mr. Hwang was sure that there was money there. His account was not minus.
He was going to use the money next day. That’s why he knew that there was money in his account.
But next day when he wanted to pump the gas for his car, his payment was declined.
A clerk at a Kroger Fuel Center in midtown said that his card was declined for his payment.
Mr. Hwang couldn’t understand the situation because there was money in his account.
You know what?
He had 2 bank accounts at that time.
He had his personal account. And he had a joint bank account with Ms. Northcutt, which Mr. Hwang used.
However, they made both of the account as minus all of sudden.
Those incidents should not have happened.
It was impossible that those two account became minus. Especially right before the expiration of the statue of limitations.
Mr. Hwang strongly believed that there were some kinds of hidden activities by white-collar criminals.
FBI should/can investigate those incidents someday in the future.
Mr. Hwang was not in the situation to investigate or make complaints or claims about those incidents yet.
Mr. Hwang realized that you couldn’t trust American financial institutions, especially they were involved in car accidents and their related white-collar crimes.
Since then, Mr. Hwang didn’t want to put and keep his money in his bank account.
He just put small amount of money for gas, grocery, and other types of small spending.
He was going to change his bank. He wanted to switch his bank into another bank.
Those white-collar criminals are really cunning, merciless, cruel, and very criminal.
First Horizon Bank.
www.firsthorizon.com
This is a bad bank.
This writing today is based on the personal and direct knowledge and experience of Mr. Hwang.
Written by Mr. Hwang
Published: November 20, 2022