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<p>[QUOTE=&quot;Muzyck, post: 2640983, member: 83778&quot;]Sounds more like a problem with using a Credit Union I guess. Most states have abandoned property laws that control &quot;old accounts&quot;. In my state that account would legally have been closed and the $5.00 escheated to the state long ago.Externally generated Automated Clearing House pulls not initiated by the customer should not count as activity. Also shows a massive level of absolute incompetence by the Credit Union that they would leave an account open with a growing negative balance for that long. It is just an invitation for fraud. It may also violate federal REG E laws. Either that or your state has weak laws.</p><p><br /></p><p>Other than that, the story really does not make sense. If Paypal tried to do a pull on an account that your daughter actually closed, the Credit Union or outsourced service should have automatically returned the ACH to the Fed as invalid. Your daughter should not be liable for anything that occurred after she closed the account as you have stated. Just about anyone can generate a debit to a routing number and account number, it is the Credit Union&#039;s responsibility to validate that the account is a valid, open account.[/QUOTE]</p><p><br /></p>

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