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have you ever had a charges off checking account?

The bank charged mine off even though i had been making consistent weekly deposits (and writing no checks) to try to bring it back in the positive. A customer service rep told me that as long as there was positive activity they would not charge it off. Well they did, and when i asked them they said that they can do it after the account is 30 days in negative. Ok fine, so i asked them if they would still take the payments and not send it to chexxystems or soem place, and they said that they couldn't they automatically send them to a collection company. i got a letter from the collection company last week demanding the payment of 144.87 in full. So i called that place and asked them if they would take payments, and they said no not unless they them pre set up dates to come out of a bank account. Well, i don't have a bank account i tld them. They said i had to send full payment by money order. i dont have it all right now. WTD

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Asked by Anonymous at 11:16 AM on Mar. 24, 2009 in Money & Work

Answers (4)
  • seriously they will accept payments they have to accept payments, just send them, there really isnt anything else they can do and it would take to long for them to sue you, and i dounbt they will over less that $200, they have alot bigger balances to go after. Dont stress to much over it, it is just a scare tactic.

    Answer by AK_aries at 11:19 AM on Mar. 24, 2009

  • Since the amount is not much I would make even more cuts and get it paid back soon. You are lucky the bank did not turn you into the District Attorney and have criminal charges filed. Writing bad checks is illegal.

    Answer by Anonymous at 11:48 AM on Mar. 24, 2009

  • Anon, 10:48, they chose to pay the check and overdraw the checking account. They could have very easily returned it to the store and not overdrew the account and made me deal directly with the store. but they didn't > And i have never heard of a bank turning over an account like that to the district attorney. They send them to collections.

    Answer by Anonymous at 12:31 PM on Mar. 24, 2009

  • i used to work for 2 banks, and what they did, technically is legal. morally, no FREAKIN' way! Seeing as how you can't change it now, if you really can only afford a weeekly or monthly payment, buy the cashiers check/money order/what have you, and put it in an envelope in a safe place. Do this everytime you would want to send a payment. When you've gotten it all together send it. This way the money is "out of sight, out of mind" and they get their payment in full. It's already in collections, and chances are, they won't send it anywhere else for some time (and considering the amount, i'm surprised it left the banks "in house" collections at all).

    Answer by day248 at 12:44 PM on Mar. 24, 2009

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