(Ransom, Ky, US)
My husband and I had a checking account 5 years ago and was closed for NSF. Needless to say, they reported to ChexSystems. Last month we tried to start a new checking acct. and they wouldn't let us because we owed the previous bank money. So we contacted the bank and they has sold the debt to a collection agency.
We have called the agency several times over the last month trying to resolve the debt, cant get anyone to return our calls. What do we do now? are they allowed to say we owe money and then not give us the opportunity to pay?
Chexsystems will not remove the debt until its paid. I know this can't be legal, can it?