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

So I received a call from a gentleman yesterday stating that US National Bank is putting an OCL on me. OK what is an OCL....He couldnt give me any information except that money was deposited in my checking account on May 23, 2006...Well that would be impossible because I closed that checking account on April 11, 2006...So when I told him that, and I also told him that I can fax him over my papers from the bank stating that the account is closed he got all nervous....He said that I will be charged for 3 accounts of a felony...I consider myself a good person, never been in trouble and never want to be....The number that the guy of <span>US National Bank </span>called from is 480-282-6894...and then he called back with a different number 832-546-128....and that is it....one is from AZ and the other is from TX....what should I do to handle this...he said that i suppose to owe 1947.50...i did in the past have payday loans but they go back from 2005 to 2006.....and they are all paid in full....then i tell this guy why did you wait till 2 years later to contact me....the only information he was giving me was my social number and my old bank number....what should i do...i told the guy from US National Bank to contact me about this wrong date thing...he is suppose to call back on friday.....

welcome to the forum,


<span>US National Bank </span> is an
insult to bottomfeeders everywhere.they can'y
do a thing except call.make a note of the #'s
that show up on your caller id then don't answer.
all they can do is threaten you stupidly.
especialy for a most likely illegal pdl.don't talk
to those jamokes if you can.

I googled the phone number - 480-282-6894. That is a payday lender, Cash2DayLimited.
Don't panic. Payday lenders will try to intimidate and scare you into paying, because that is just about the only recourse they have. US National Bank CANNOT charge you with a felony, or anything like that. There is nothing illegal about not repaying a loan, even though they will claim everything from fraud to bad checks. It is all BS. You cannot go to jail. They cannot send someone to pick you up. The most US National Bank can do is sue you and get a court judgment (which takes a lot of time), and it is doubtful they will even do it as most payday lenders don't operate legally anyway.
Read through these forums and find the payday laws for your state. You will feel much more comfortable knowing the truth.

thank you burk,it has come to my attention that
this bottomfeeder is getting more pdl business.

So after I got this call and he said that I can pay this or that...Well like everyone else I am working two jobs and on a tight budget.....To avoid any problems, I paid $300 towards this bill....He is suppose to contact me back with more information about this loan because the deposit date wouldnt go right with my old account. So what should I do with


<span>US National Bank </span>...He didnt call my work he called my cell phone....

i wouldn't give
<span>US National Bank anymore without something in writing.never give your bank or any other info over the phone.this is an illegal pdl collector,there is no guarantee that money went toward the supposed debt.</span>

From what I was reading there is no such bank called US National Bank....I printed out the Fair Debt Collection act...And he violated alot of it....I think the next time I call him back that I will tell him that I am recording this message and then proced on telling him the information that I got and since the deposit date was wrong that I will no longer give him any money...should I do it this way

the one sticking point is that he has your account info.i would put a block on your account.you will have to go to the branch and speak to the manager to do this.stop payments won't work,if only temporarily you must do this.he can also debit different amounts,even put through a check.it is unfortunate,but to preserve your bank account this must be done.

OMG, I cannot believe you paid US National Bank $300

So I shouldnt have done this....I can't believe I did this....

tell me about it $300 bucks that i could of use for my vacation

if the 300.00 is gone that is too bad,but he can ruin that acct easily.it is best to put a hard block on US national bank a/c.then open a new one,i wouldn't trust this bottomfeeding collection clown.

see i didnt give him my bank information just my bank card information...and i can easily cancel that without changing my bank information...i can go and say that i lost my card, they will deactivate it and reissue me a new card...so if he puts the number through that it will no longer be in good use...

so guess what since i only used my bank card for this one transaction, i called my bank to see if i had to close my account because of this...she said no that all that has to be done is to deactivate the card and if anyone uses it that it will not work...so since i didnt give any bank information to US national Bank that i have no worries except that im out of 300 bucks....i guess a lesson learned....so should i call this guy and tell him that one i never had a loan with cash2daylimited, two that us national bank doesnt exist, and that what he did was illegal....

hey,that works.just know the jamoke is gonna call again,now you know better.glad you didn't get taken by this clown.

Should I call him or wait to see if he calls me...