Not notified, even when I asked.

I had a checking account with a company years ago, as a wedding present my mother paid off my credit card with them. I had called the company multiple times in the last two and a half years, updated my address AND phone number with them. I asked them multiple times if there were any other accounts i owed on. I was told no every time.

Two days ago my father, whom i have not lived with for nearly four years, gets a voice mail for me. i call back to discover it is a collection agency wanting to collect an overdraft fee/balance on a checking account.

They had no other information. I called the original company.

I was told by them that this was from 2009, it was sent to collection 3 days ago. She said that it is supposed to go to collections after 30 days automatically.

I asked for my information to be verified and they had my current address and phone number.

I wasn't notified (they didn't send mail, my father would have notified me) and i was lied to when i called previously.

Is there anything I can do? I know that there is no prevention for not being notified before going to collections, but the fact that the original company lied by telling me i owed them nothing else, isn't that wrong?

Reply from

It's hard to tell what's happened at this point but your best bet is to call the collection agency and ask them to send you written notification of the debt so you can try to get to the bottom of it.

They are required by law to send you written notice of the debt so that's the only thing you should ask for - you don't need to have any other conversations with them until they send you that information. With that you can try to figure out what's going on.

It's possible that they are trying to collect the debt you've already paid. If that's the case and they won't stop harassing you over a debt you've already paid make sure you talk with consumer law attorney.

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