So she closed the account in October and got a statement in November showing a $0 balance on the account. Then she got another statement in December showing a $5 balance. So she called a branch and asked about it and they said not to worry, the account was closed. Well she never got another statement and figured the mix-up was taken care of (she is more trusting than I when it comes to these things). Last week she got a letter from the bank saying if she didn't pay the $1500 she owes them they would sue her and confiscate her remaining accounts! So she called the branch where she opened the account and talked to a manager who said she would investigate. It turns out that a couple of things went horribly wrong. First, when she clsoed the account, she hadn't had any activity on the account in a week except for one outstanding check. Well she left just enough money in the account to pay the check and the bank said the account would then automatically close. Well it turns out she had some kind of auto payment billed to her checkcard (she updated the payee but not in time) and evidently the auto payment and the check hit her account at the same time--the bank paid both and overdrew her account. Now this bank would normally let you bring in the money for an overdraft by noon and not charge you but, of course, she had begun moving so they could not contact her. That's when they started charging her $5 per day that her account was negative. Then, for some reason, the bank changed her account address to an OLD address from college after generating that odd November statement. So her mail was now going to a long old address that she wasn't at! Evidently someone in the bank noticed her other 2 accounts (she closed another) and used that address to send the nasty letter. It seems the PA branch never told the Delaware branch that she closed her account and so the Delaware people thought she was trying to defraud them which is why the bank manager told her the bank reported her to "The Big 3"--I assume CRAs!!!! So now, of course, she is pissed at the bank as well as herself for not checking on them... She told them she will pay the initial ~$20 overdraft from the autopayment plus the $15 fee but no way in hell is she paying the $5 from October 2000!! The manager said that was fine and to bring the money to any branch and in the mean time, she would have th bank remove all information from the CRAs. I would have preferred to see her get a letter from the bank but she doesn't think she needs it yet. Any tips?