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I have a Visa Debit Card with First Community Credit Union in Texas. Around Thanksgiving I bounced a $200 check at a grocery store(H-E-B). I got hit with some insufficient funds charges from both the bank and H-E-B as my bank didn't cover the $200. I haven't heard from H-E-B, but the bank closed my account and sent it to collections(Transworld Systems). I owe $191.74. I would like to be able to open up the account again because I've been banking with them for years and it's right by my house. I got my w2 which could basically pay it off, but I can't direct deposit it into my account because it's closed. Here is my questions: 1. If I pay off the debt, will they just re-open my account? 2. Why haven't I heard from H-E-B yet about the bounced check? I've accidentally bounced checks with them before and just paid them off over the phone when I got a notice in the mail. 3. Why did my bank send this off to collections after only 2 months in debt? I've been in debt a lot longer than that before and nothing ever happened -- I would just end up getting out of the red with my paychecks. Thanks for your help.
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Feb 9, 2010 01:13
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| # ¿ May 1, 2024 08:14 |
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CubsWoo posted:Probably not. You can ask, but in most cases an account that goes to collections will be closed for good. Okay, even if it's a long shot what should I say? Is this okay: "Hey, I've banked with you guys for 10 years now and this has never happened. I just sent the money order to collections, can I get my account back?" If that sounds like a dumb question, sorry. I want use of my card back and don't know what I'm doing.
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Feb 9, 2010 21:08
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