On April 10 I received a notice of "overdraft/insufficient funds" from Washington Mutual BAnk (WAMU) in the sum of $25,000. On both my checking and savings account. I immediately called the bank and was told that I had to contact KAY 212-695 8155 to find out the reason why I had a negative balance. I called the number and after explaining the purpose of my call, I was put on to a gentleman who demanded to know my social security number. He was very rude and eventually hung up the phone on me.
Although I tried to explain that I was not going to give my social security number, since I did not know what office I was calling and to whom I was speaking, he did not budge. I called WAMU again and was told that Kay at 212-6956155 had a court order for a debt that I owed to Chase Manhattan Bank.
On April 16 I received a package from KAY (Mitchell N. Kay, 7 Penn Plaza, NY 10001) which contained copies of an Information Subpoena with Restraining Notices - which he sent to seven different banks including WAMU. This was shocking to me since I believe that this is an old credit card account that I had already paid a settlement upon more than ten years ago.
I do not presently have an account with Chase Manhattan Bank. Nor do I have anything on my credit reports that reflect a dispute or unpaid balance with any bank.
At present I live in New York but I recently took out a mortgage on a home in another state where I plan to relocate. My WAMU account is also in that state and used to service my mortgage.
I have had no contact with KAY prior to my phone call to them and my receipt of their package. I believe that Mitchell N. Kay is not operating within the law! Are they legally correct in putting that order on my account and in another state at that?
Confused Consumer
Confused
New York, New York
U.S.A.
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