I filed Ch.7 on Dec. 31st 2009. Included in my filing was a Citizen's Bank card and ODP on my checking account w/ Citizen's. I switched to a local credit union for all my banking. I had made one last payment to my Wells Fargo card in Oct. 2009 via an online one-time payment through Citizen's ( I know, big mistake..). In Nov. Wells Fargo debited my Citizen's bank acct. for $15 without my authorization.
I contacted Citizen's and informed them this was an unauthorized charge to my account. Citizen's has charged me fees to the tune of $140.02 for this.
I refused to pay. They have now closed my account and sent it to a collection agency. This was done after my filing. Can they do this? I have emailed the CA, and sent a certified letter informing them they are in violation of the automatic stay in trying to collect this debt.
Any advice? I am not sure if the checking account is treated differently or not in a Ch.7? Is the fact that the $15 charge was not authorized relevant?
I contacted Citizen's and informed them this was an unauthorized charge to my account. Citizen's has charged me fees to the tune of $140.02 for this.
I refused to pay. They have now closed my account and sent it to a collection agency. This was done after my filing. Can they do this? I have emailed the CA, and sent a certified letter informing them they are in violation of the automatic stay in trying to collect this debt.
Any advice? I am not sure if the checking account is treated differently or not in a Ch.7? Is the fact that the $15 charge was not authorized relevant?