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I had an old (well not that old) bank account from 2012 that charged off in January of 2013. I haven't heard hide nor hair from anyone and I haven't moved, so I called BBVA today to find out where my account was at. I spoke with the 800# for BBVA and was told that my account was charged off in January of 2013 and sold to a company called CBCA, then I was given a number for the collection agency. After reading up on the number provided by BBVA it sounds like this CA are real psychos. So, I called the branch that I used to bank at and the teller looked up my account and informed me that I was still able to come in and make payments at the branch until the account was paid off and I would be taken out of collections. What course of action should I take? Should I just make payments to the bank in person or should I attempt to contact the CA? By the way, I've been checking my Chex and credit reports and there is no reference to my BBVA account.