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How to handle old bank account

bgandy

By bgandy
in Credit Forum

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The last post in this topic was posted 4759 days ago. 

 

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bgandy

bgandy

Posted
Posted

I received a strange phone call today from a company called ESM Enterprises telling me that I owed a bank money for overdraft fees.

 

The bank they are representing, First National Bank of Florida, I had an account with that I closed in 2006. I know in 2009 this bank went defunct and was taken over by Charter Bank.

 

Fast Forward to today, I get the call from ESM telling me that I owed the bank $270.00 in overdraft fees and that the debt was sent to them 10 days ago. They also informed me that they have placed the debt on my credit report and tagged my drivers license. I am not sure how they tag my drivers license, but the man on the phone said it would make it impossible for me to cash a check or open a bank account.

 

My question is, what is the best way to handle this? First National Bank had all of my information and current address when I closed the account and I never heard from them.

 

 


luckydriver

luckydriver

Posted
Posted

id love to see how anyone could stop someone from cashing a check, that would be a true vegas magic trick

 

i'm amazed by what these people say

 

then again, now that i think about it, i cannot even remember the last time i cashed a check. really..i cant. so this would not affect me at all..lock me up!

beli

beli

Posted
Posted

 

Sounds scammy. Did you record the call and get their address? DV them.

+1

 

Get it in writing.

+2 Only thing that can be attached to your DL (as far as I know) is anything related to driving.

 

Have you checked your reports lately? Could be they sent the dunning letter to an old address.

bgandy

bgandy

Posted
  • Author
Posted

Sounds scammy. Did you record the call and get their address? DV them.

I noted everything in the call and was able to look them up online. I have the address for ESM Enterprises (which ironically is the same address as a company called "Check Assist".

 

What do you mean by "DV Them"?

 

 

Sounds scammy. Did you record the call and get their address? DV them.

+1

 

Get it in writing.

 

Get what in writing? The man at ESM Enterprises gave methe information for the bank and wants me to call the bank.

id love to see how anyone could stop someone from cashing a check, that would be a true vegas magic trick

 

i'm amazed by what these people say

 

then again, now that i think about it, i cannot even remember the last time i cashed a check. really..i cant. so this would not affect me at all..lock me up!

 

Me to. I have always either deposited them or direct deposit from work.

 

 

Sounds scammy. Did you record the call and get their address? DV them.

+1

 

Get it in writing.

+2 Only thing that can be attached to your DL (as far as I know) is anything related to driving.

 

Have you checked your reports lately? Could be they sent the dunning letter to an old address.

 

Yes I checked my credit report today after he called. There is a new collections account under the name "Charter" for the amount.

I tried tagging my driver's license but just ended up with spray paint all over the table. :P

Whew, I am glad you tried first. I was going to give it a shot when I got home from work... :D

Guest

Guest

Posted
Posted

. They also informed me that they have placed the debt on my credit report and tagged my drivers license. I am not sure how they tag my drivers license, but the man on the phone said it would make it impossible for me to cash a check or open a bank account.

Chexsystems

 

cv91915

cv91915

Posted
Posted

It's tampering with a license plate. Don't do it. The feds don't think it's funny

Who said anything about a license plate? And mine are issued by the State of CA. The feds have nothing to with it. :)

ArchonInitiative

ArchonInitiative

Posted
Posted (edited)

+2 Only thing that can be attached to your DL (as far as I know) is anything related to driving.

 

In some states, they will suspend driving privileges and or professional certifications/licenses for unpaid child support.

(I am all for enforcing child support; I just hate it when it is done in counterproductive ways.)

Edited by ArchonInitiative
beli

beli

Posted
Posted

 

Thanks for the help. Should the debt validation go to the company that called me or to the bank directly?

company that called you
Guest

Guest

Posted
Posted

 

+2 Only thing that can be attached to your DL (as far as I know) is anything related to driving.

 

In some states, they will suspend driving privileges and or professional certifications/licenses for unpaid child support.

(I am all for enforcing child support; I just hate it when it is done in counterproductive ways.)

 

NJ is one of those states.

 

Basically, any/everything non related to driving = can/will suspend DL.

bgandy

bgandy

Posted
  • Author
Posted

 

 

 

+2 Only thing that can be attached to your DL (as far as I know) is anything related to driving.

Florida is like that.

 

In some states, they will suspend driving privileges and or professional certifications/licenses for unpaid child support.

(I am all for enforcing child support; I just hate it when it is done in counterproductive ways.)

NJ is one of those states.

 

Basically, any/everything non related to driving = can/will suspend DL.

bgandy

bgandy

Posted
  • Author
Posted

So today I am going to type a DV letter to send (would have done it earlier but my daughter had surgery last Friday).

 

I do have a different question. Is it legal for this company to file a collection account like this after nearly 7 years?

beli

beli

Posted
Posted

So today I am going to type a DV letter to send (would have done it earlier but my daughter had surgery last Friday).

 

I do have a different question. Is it legal for this company to file a collection account like this after nearly 7 years?

If it's within the 7SOL goverened by FCRA yes. If it's outside the 7 yrs then no.

The last post in this topic was posted 4759 days ago. 

 

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