I had something similar happen a few years ago but I only found out by accident. I had a checking account that was somehow compromised in that every week or so someone would take out $30 or $40. I noticed several odd electronic bill pays on my statement and the bank said they would stop them. The next month there were more and I went back to the bank. They apologized for not correcting it and assured me it wouldn't happen again. The next month there were more and and this time the bank told me the only way to guarantee they stopped was to close the account. I not only closed that account but closed all my accounts with them and went elsewhere. Forward 3 years and when I went to open another account I was told I had an outstanding balance due from the previous bank that had been turned over to a collection agency. Neither the bank nor the collection agency had ever contacted me. I hadn't moved and the precious bank sent my statements to my house so they certainly had my address. Why the fuck didn't someone contact me about this I have no idea. Maybe it was too small to mess with? I was told I owed $680 because additional withdrawals had been made from account and I was responsible for any activity for 30 days after the account closes. I spoke with a lawyer and she told me she would charge me more than $680 to fight it and would lose the case anyway. I offered the fuckers $250 with the stipulation they report it as paid in full in good standing blah, blah, to credit reporting agencies. They faxed me a copy of the agreement so I paid them. It was nothing more than paying $250 for the privilege of having money stolen from me as far as I can see.
John Thornton