US National Bank is harassing me for a closed account. Need help

I would do this:

1. IMMEDIATELY dispute the $300 charge if it has been processed. Tell the bank you did not authorize it. THEN CLOSE THE CARD AND HAVE THE BANK ISSUE YOU A NEW ONE. That should get you the $300 back. If the $300 hasn't been processed, CANCEL the card NOW!
2. Send the company a DV letter. Make them prove that you owe the money. In your OP you said that all your PDL's were PIF, and you closed your old ckg account on April 11, 2006 - but, he said $ was deposited on May 23, 2006. Hmmm...makes me wonder...(scam here)? Maybe he had the date wrong, maybe he meant 2005? If so, and you said your PDL's were PIF then there should be nothing to collect...
3. Chances are they are an illegal PDL. I would file a complaint with the AG, BBB and FTC. The fact that they first misrepresented who they were and threatened you with a felony, THEY are the ones breaking the law.

BTW: If you send the DV letter and they don't validate, then they cannot collect. If they continue to try, you could sue them for illegal collection activity.

Also, spend some time on this website and see how others have handled similar issues.

Hope this helps!

Reverse the transaction of $300 and cancel the card. Call the bank and tell them that you found out this is a fraudelent company if it is not too late

I would not call him back - the hell with him, the fraudulent liar!!! Just get an address to send the dv letter...search this website if you need the address...I am sure it's on here somewhere!

And lesson learned...NEVER give $ to someone just b/c they say you owe it. Make them PROVE it!

i wouldn't talk to him either way.all he will do is threaten you,not worth your time.

Amen to THAT, Paul!!!

ok i called my bank and it already went through....i guess i can cough it up to a lost...

the bank said that the processed it through paymybill.com....what is a DV letter and what is AG...

the bank said that the processed it through paymybill.com....what is a DV letter and what is AG...

do what you going to do with the card anyway.he cann still try to take more out.

This is so sad....I just feel that people get so scared into paying monies they don't owe...I am guessing here; but feel that is how these illegal pdl's are working now...just finding old ss#'s and bank #'s and just start making calls to collect whatever they can since they know that a lot of people are unto them and only getting back what is lent out...so basically losing fees. just bad bad...they need to go away.

Always thinking...CALL THE BANK AND DISPUTE THE CHARGE!

don't just throw that monies away. Dispute with your bank. Say that it was stolen and you need another...really, get your money back.

A DV letter is a debt validation letter that you need to send to them. just do a search for one in the upper right hand corner and there are plenty out there. This will make them validate the debt they are requiring about. But now that they have their money or some monies from you; you may never hear back. So please dispute it...You will be glad you did.

well guess what i found...if this is cash2day lmt, i had a loan with them a few years ago...i found the letter that they sent me that it was paid in full....im am such a fool...i already cancelled my card like right after you told me to....then i called the bank back and i have to go up there and try to dispute it....but the card is already useless.....now i can stand my grounds.....so now should i call this goober back and tell him that i found a letter that states that this account is paid in full....but i still wonder if this isnt a scam because of the date thing...thats what bothers me...and that i had to deactivate my card which i hope will be here intime for my vacation in two weeks....

Okay, since this was your bank-issued debit card, you should be able to go down to the bank and dispute the charge. It doesn't matter if it was already taken out - the bank will reverse it and you will get your money back. You will have to sign a form stating that you did not authorize it, or that it was for a loan that was already paid off. They will reverse the charge and put the money back into your account. Take the PIF letter with you, to show that it was paid off already. I've had to do this once before and the money was back in my account in less than 24 hours.

you should do that my friend and remember,if
they are not going to send anything to validate
do not bother with them.

thank you...i called the number on the pif letter and the man said that he hasnt called since the account was paid in full....he said that the phone records doesnt show anyone calling like yesterday...so someone is scamming and i just got scammed