How does one get a charge off removed? I had an agreement with a Bank card, a 6 month repay program. On the 6 month on auto debit my deposit and their debit crossed. I did not pay attention, the next month I receive a call bringing this to my attention. I paid the entire amount off within 5 months (3,000) and then find out they charged it off and collected the amount in full. Im still angry, I do not understand how the law stands behind them, they got all of their money and still get to put a charge off on me.