This is why my BF handles the money now…

This is why my BF handles the money now…

I had a bank account that I rarely used. In 2007 I had a balance of 5.xx I used it for 4.xx. I recently found out the account had been closed and had an over 300.xx balance. I haven't used it since 2007 and I'm thinking the reason it got that far behind was due to some fee the bank charged (not an overdraw fee though because I didn't overdraw it. I knew exactly how much was in there and spent less) that caused overdraw fee after overdraw fee until they finally shut it down. What are the odds of me getting this settled without paying the money? I don't have 300 to spend on something that wasn't my fault. I was under the impression that I had a free checking account. I haven't received a statement about that account in years and I never received any notice that it was overdrawn. When I called them, the branch I had opened my account at was closed and the closest branch said it happened so long ago it was no longer in their computers and they would have to send off for statements. I got them in the mail a little later but they didn't go back far enough for me to see what happened. It says the December 2007 balance is positive, but then in January 2008 it's overdrawn and the fees start adding up. The earliest statement I was sent is from January so whatever happened was obviously in December (and that's weird because the last time I used it was at least early November/ late October). I quit using that account because my debit card number was stolen and charges were made. They reversed the charges and I thought everything was ok. Then all of a sudden they took the money away from me again. Turns out I hadn't signed a paper that I never received. They supposedly sent me another one, I never got it. I finally had to go to the bank branch and have the paper faxed to them and sign it. The bank faxed it back and I finally got my money back. After that, I completely quit using my account. I opened an account at another bank and used it instead. So is there any hope for me or am I never going to be able to have a bank account besides the one I have? It's not on my credit report. The lady at the bank said it was charged off, what does that mean?
Weed ID Please

Weed ID Please

I decided to finally post some pictures!

I decided to finally post some pictures!

My couch

My couch

Merry Christmas!

Merry Christmas!

PICTURES!

PICTURES!

Need Some Ideas

Need Some Ideas