Overdrawn bank account - what kind of debt?

[Anonymous]

I'm trying to clear up a few very small items on my CR.

One of them is a CA reporting an overdrawn bank account - I didn't even realize it was an issue until I just started working on my credit recently. I thought when we moved we had closed the account and had a zero balance, but apparently not.

I'm trying for PFDs on all of these things on my account, but I don't know what type of debt this would be. Is it a contract, open account, etc? I need to know if SOL is over so I can use that as leverage to press for a PFD.

I've seen a few threads about this on various boards, but no definitive answer.

[Anonymous]

Check your state statutes to be certain. But, since you usually sign something when opening the account, I'd say written.

[makeynik]

I know that you mentioned that you moved, so this may not apply, but I wrote to bank and got a letter back when I had an overdrawn account.  It said if I paid, it would remove and give me a chance to reopen my checking account, which I did (I was operating without one).  It was worth it to get it off, even though I may not bank there forever.