I received a collections notice for a bad check written on 03/20 for $70. I called the collections agency (because I don't often write checks and I saw no such check on my 1 checking account) and they gave me the bank and account that it was under, and are sending me a photo copy of the check which they say has my name and address on it.
Turned around and called the bank, a small Credit Union in my area, and they have no accounts under my name, social, dob, or address. I gave them the account number from the check, and they can confirm it is an account with them, not in my name, that has since been closed. They were even able to find the check and see it has my name and address on it. I asked the obvious question "how does someone put my name and address on checks that aren't in an account in my name?"
I'm a little worried because the bank was then quick to say "we have to do some digging into this, and we will need to call you back tomorrow".
I'm not sure what my rights are or what I should do to resolve this. Obviously not paying the collection notice, but what if there are more checks? I should mention that I ran my credit report and I have no fraudulent accounts on it, nor is the collections on it yet.
Looking for advice on how to proceed and if this has happened to anyone else before.
Thanks in advance!
Submitted March 29, 2018 at 08:43AM by picky06 https://ift.tt/2pL0fCY
