Back during 2004 and 2005, Compass Bank used to sell their accounts that were overdrawn to RJM Acquisitions for collection.
My account had been overdrawn for a couple of weeks while I went out of town. I cleared the overdraft upon my return. Somehow, RJM still got a hold of my account (Compass says they never sold it since I'm still a customer). Every few months I would get a letter from RJM to pay up. I would take the letter to the bank, they would contact RJM, and everything would be fine for a few months.
Now, I'm getting contacted by Island National Group, saying RJM sold my account to them for collection. Here we go again!
P.S.: Compass hasn't used RJM since 2006.