[schamp]

I had a similar thing happen here in Georgia. I closed an account and kept the paperwork showing it was closed. About a month later I get a statement showing account went negative 7.00. I went back to the bank and showed them the paperwork that account was closed and the 7.00 was a charge for a check card on that account. Next statement showed the account to have a positive 7.00. Account still open. I was not about to remove the 7.00 because I figured it wasn't my money. It took a year for them to start charging a monthly amount and about 7 months later I get a statement showing the account went negative. 1 month later I get a letter from the bank saying pay up or goes to collection agency. I waited another 30 days and sure enough here comes a collection agency letter. I took everything down to the local bank and told the manager the story along with the fact that adverse listing on peoples credit history are costing companies about 10,000.00 plus attorneys fees and that my next two calls were to my attorney and the State Bank Examiner's office. I then asked him " would you like to clean this mess up or would you like for my attorney to"? Account got closed.
If Bank of America keeps messing with you let your State Attorney General know along with a complaint to the State Bank Examiners office. Thats who the banks are scared of.
Oh, sorry for your loss.
Spencer