I opened an online checking account about 2 years ago and I did it online; it was a free checking account. I used the account but over time ran the balance down to $. 23. I forgot about the account and did not use it for several months. I get a card in the mail a couple of months ago saying the account was overdrawn. I emailed the online customer service to close the account and was informed that I could not close the account online, but that they would set the account back to zero, so I could call at my convenience and close it. I have been trying to close the account this week starting on Tuesday, July 7. I was told that they had sent my account over to recovery and that if I called back on Thursday (today), they would do a waiver of balance and close the account.
Today I called and was transferred to recovery who informed me they were the collection department and would not honor such an agreement. They told me I had to pay $44.72 in order to close the account. I explained that I opened a free checking account online and I did run my balance down to $. 23, but I did not overdraw the account, they did! I tried to close this account via their website, the same one I used to open it with. I have done nothing wrong here! Try as I may, I could not get them to change their stance and wound up having to pay them $22.36 in order to settle this and close the account.
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