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My son's gf paid off an old credit card debt over 20 months ago. Went straight into the bank and paid it in cash, got a bank receipt. She then had to fax that to the bank's office that had contacted her about the old debt. They told her everything was cleared.
She went months later to open a bank account at a different bank. They told her she had something on her history that wouldn't allow it. The company they told her to call told her that this old debt wouldn't drop off.
About 3 months ago, she gets a nasty letter from a collection agency who had bought the bad debt a month or so before. By this time she'd lost the receipt from the bank that showed she paid it. Agency told her without proof, they didn't care and she'd have to pay it to them. She called the bank and got no where. Finally walked into the branch and gave the woman the old card number. She looks on the computer. Goes and pulls out a file folder and sitting there was the information about her payment.
Seems even with the account number in hand, they never knew where to apply the money so rather than try to contact her (they obviously had the mailing address because they sold it to the collection company), they just let it sit.
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