5 years ago I had a checking account with US Bank. I had a couple of checks bounce because of a fraudulent charge that was posted to my account. The bank determined that it was fraud and credited my account the money back, which was around a hundred dollars. Mean while I accured a bounced check fee for each check that had bounced, including the one for the fraudulent charge. This added up to around $100.00. I asked the bank if they were going to remove those charges as well, because they were caused as a result of the fraud. They said No, and would not even remove the one overdraft fee that was a direct result of the fraud.
I closed the account because I felt that this was not right and refused to pay the balance. It finally got sent to the first creditor and they said that I owned $691.00! They said that it was because USBank was charging $8.00 per day, each day the account was overdrawn. This was news to me, and I at no time remember that being explained to me during the time I signed up for the account, because I know I would have walked out on the spot, that's just crazy.
It got sent to creditor after creditor and I would tell them the story and let them know that I was refusing to pay it. This may not have been the smartest thing to do, but all the same that's what I did. That was until yesterday morning when I received a call from a 'law office, informing me that I owed them $2,690.00! For A Bounded Check! They said the other fees were interest and 'other fees'. What Ever that meant. I explained it to them again - to no avail, but they did say that they spoke with the bank and could offer $1,200.00, I finally, after fighting with them got it down to the $691.00. That it was originally. Albiet it was only about $100.00, to begin with. I paid half and am scheduled for another half in January.
The only reason I paid this was because they said that I could not take it to court. That they would freeze my current account, take out any money they could to pay towards the 2,690.00 balance, and if they needed more they would attach my wages.
This seems wrong on so many levels, 1st the bank, but then the 'law office' doing the collection. It's just wrong, and I wounder how either one can get away with it, it's wrong.
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