4

About a few months ago USBank closed my account. Before closing my account, I was told to withdraw money from my account. My plan was to leave $5 and move on.

It turns out I made a mistake and my balance is $-2. I got a letter from USBank saying that if I do not pay I will be charged $25 a week.

I want to pay.

$2 is not a big deal. I can pay with paypal or bitcoin.

However, I am all the way in Indonesia.

I even have a check of $14 paid by amazon. I can send screenshot to USBank and they can cash it on my behalf.

A month ago they told me via email that I can pay once I go to US. I will never go back to US in years but they seem to say that it's not a problem.

Then, today, I got a letter from them saying that they will charge me $25 a week until I paid off my balance.

It's only $2.38

I emailed them again but haven't receive any reply.

What would be a solution for this? US bank seems to only accept wire. I asked them before and they said not to worry about it. If I login to their interface it says that I no longer have accounts.

Is the status of my account "closed".

I already contacted them but I worry that this $2 issue I may one day owe them huge amount of money.

Note:

I emailed them and I got this

Thanks for emailing us with your concern. I'm sorry to inform you the account has been charged off and sent to our Recoveries department back in October 2016. Please contact us at 1-503-401-9991 between the hours of 9:00 AM-6:30 PM ET, Monday-Friday and 8:00 AM-5:00 PM ET on the last day of the month. Ask the representative to be transferred to the recoveries department. If you have any further questions or concerns, please don't hesitate to contact us back.

Looks like the $2 has become a big problem already.

  • Do you have a letter, email from Bank saying the account is closed? – Dheer Dec 9 '16 at 9:57
  • Perhaps Western Union or a similar outfit can give you a USD check or money order, and you can mail that to US Bank. – Nate Eldredge Dec 9 '16 at 18:52
  • Did they mail the collection letter to you in Indonesia? Does the letter have a valid USBank phone number on it? – TTT Dec 9 '16 at 19:23
  • Jim - do you mind mentioning the bank name/state? – JTP - Apologise to Monica Dec 9 '16 at 20:41
  • Yes. The name is US Bank. – user4951 Dec 10 '16 at 11:42
5

Do you know anyone in the US, still? If so, ask them to close it for you. $2.38 is well within the "if anybody I knew asked me to I would" range, and probably is for anyone you know well. Offer to send them money via a wire transfer (or Western Union or whatever), but odds are if it's a friend or coworker they won't care about $2.

  • Not many. I can pay with paypal. I guess I talk to several employee at the bank. – user4951 Dec 10 '16 at 11:43
2

Call them ask for a delay on your $25 per week fee and send them a check and a written letter saying to close the account once the balance to zero.

If they deny your delay of $25 per week fee, send them a express package by Fedex, DHL or the post office. That should run about $25, so in comparison to the fee its like paying one week.

Be sure to close your account and be clear on how to do so from overseas.

  • In Indonesia I don't even have a check. I can pay with paypal and bitcoin. I am still asking them how should I pay. I am concerned that the lending will cost a lot and that it will damage my credit record. I am not borrowing anything in US but you know I may come back as businessman or I may do biz with some people. – user4951 Dec 10 '16 at 11:44
  • You can't get a cashiers check at a bank? – Pete B. Dec 12 '16 at 12:38

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Not the answer you're looking for? Browse other questions tagged or ask your own question.