Think there's anything I can do about this? BOA

[LadyElan]

I have a Bank of America "Account Abuse" that's killing me. I messed up with a couple payday loans and it ate all my paychecks and I got ton of NSF fees I couldn't afford at the time. I have since settled the account with a collection agency.

 

It says

Date Reported: 3/15/2006

Reported for: Any amounts owed have peen paid

Account abuse

Paid in Full/Settled in Full Date: 11/26/07

 

The only other thing on there is a Wells Fargo NSF activity from 9/5/03.

 

Do GW letters work for banks?

[IlovemyAussie]

Sometimes they do but I would just tell Chexsystems their data is wrong and make them investigate....most of their ppl are in India and if you give them enough ammo they will clear it from your report!

[mca]

I would dispute with chexsystems then the bank if it does not clear off. The Wells Fargo report will drop off this year no matter what ince the 5 years is up

Edited April 9, 2008 by mca

[LadyElan]

How should I dispute this since I paid it last year? This is my 2nd Chex Systems report that I have. The first one didn't say that it was paid and now it does. Would the bank have reported it as paid or would that be the collection agency that I paid?

[mca]

I would just report account not yours but BOA is a hard one to get removed generally but not impossible. The bank is the one that would have reported you to chexsystems. The collection agency would not. If the report says NSF Activity or Abuse, was there a negative balance

on the account? Has it been paid? Since it has been paid, that certainly means that account abuse is not accurate. What basis do they have to report account abuse?

 

Start with chexsystems then dispute with the bank.

 

Your Name

Your Address

Chexsystems Consumer Relations

7805 Hudson Road

Suite 100

Woodbury, MN 55125

Date

RE: Consumer ID # (your consumer ID # here)

 

Consumer Relations Dept.:

I have recently been informed that there is negative information reported by (name of bank) in the file Chexsystems maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a "(condition such as NSF)" in (month/year).

I am unaware of ever having a "(same as condition above)" from this bank.

 

Please validate this information with (name of bank) and provide me with copies of any documentation associated with this "(same condition as above)" bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security number.

My contact information is as follows:

 

Your Name (printed or typed, not signed)

SSN

Address

[LadyElan]

Ok thanks!