Bank of the West Debt Collection Complaint

Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed debt was paid

Bank of the West Debt collection department,

Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Iowa

I had a checking account with Bank of the West prior to -/-/2013. I overdrafted the account and was charged nearly - $ in daily overdraft fees before the funds in my savings account were applied to cover the original amount overdrafted. The account went to collections with The - - - with a balance of - $ owed in -/-/2013. I disputed the account and - reported the account as closed to - for meeting FCRA requirements for a dispute, but still lists the account open and in collections with -. I reached out to - and inquired when they would report to - that the account was closed pursuant to my dispute. The agent advised me that she does not know why the account was closed with - and repeatedly interrupted me to tell me I needed to pay the account. I advised her the account was disputed and closed and I would not make a payment until she could explain why it was closed with one bureau but not the other. The agent advised me that she did not know and it was a mistake and that all she knew was that I had to pay the account. I again asked why the account was closed with one bureau but not the other and she transferred me to a voicemail for someone else. I left my contact information and even called an hour later and was again dumped in a voicemail. I have never received a returned call from this company to explain their discrepancy in reporting to the credit bureaus. They refuse to explain why I need to pay this account that is closed, they refuse to accurately report to the bureaus, and they continue to aggressively attempt to collect this debt.

Bank of the West customer in Iowa
Oct 26, 2016

* Source: CFPB Complaint Database

Bank of the West response to complaint:
Closed with non-monetary relief

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