Total fucking bullshit, this shit amazes me! I closed my checking account in september of last year with a 0 balance obviously. I get a collection agency letter from ChexSystems saying I owe $280 to the bank for paying for paying for a AOL monthly charge of 24.95
I had shitty aol for a short time because cable wasnt available here yet. So they paid 24.95 twice after my account was closed and i got a $6 a day overdraft charge for like 2 months or whatever. So the banks says I have to pay at least $48.00 for the aol that they paid to clear this up. They said oh we'll work with you on this and clear all the overdraft charges if you just pay the 48$. Its only 48$ but now i have this shit on my credit report that i was delinquint with a bank even if its paid in full it shows on your report for years. Now this may fuck with me buying shit on credit. If i close a checking account its closed period. IF someone trys to get money from my account thats closed, they will call me and request another method of payment or send me to collections. Never heard of a company forcing a trasaction through when there is 0$ in the account TOTAL BULLSHIT
I cant open a checking account until this is cleared up too. Tried to open one and they call chex systems before hand. I got embarresed at another bank cause it came up. Im gonna keep all my money hidden in a fucking sock drawer. I trust paypal over a fucking bank,lol