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Thanks for the replies! I think I'm starting to get a grasp on all of this, so I will send everyone involved letters explaining the situation. Is there anything else I should include? I'm not sure what you mean about making arrangements on the call, thelawprofessor. I was told to deposit the...

Just today I received a paper with the total amount owed, from their collections department. The account is now officially closed. I didn't know that small claims couldn't handle it. What about getting a lawyer, and taking them to a higher court? As I said, I've never dealt with a legal...

My bank claimed that I overdrew $.10 cents, when I never did, my transaction histories do not reflect that I did either. According to them only they could see this on their computers. The supposed overdraw ended up as $600 in fees. I offered to pay $200, the Assistant Branch manager agreed and...