So september of 07 was my 18th birthday, I was getting checks left and right from family and deposits from family as well.
My Aunt sent me a check for $75
I went into Bank of america who was my current bank at the time.
I am a resident of CA but was and am in WA right now so she had to fill out a out of state deposit for me and SHE filled EVERYTHING out, I never touched it.
The Teller typed in $750 instead of $75.
She and I did not notice this at the time so I left thinking that I deposited 75 dollars.
About a month later I closed that account because it was based in CA and I was planning on staying in WA.
I took all the money I had in it out which was quite a bit because my work check just cleared.
I sat down with one of the bank reps and they called in everything and everything checked out A OK. He gave me my money and let me go.
Up to this point I still did not know about the error.
About a month after this my Aunt calls because she just noticed that it went through on her side as $750 as well and she also had Bank of america.
At this time I had already spent most of my "birthday" money on clothes, rent, food, gas.
She called BOFA and argued for a couple hours. they even lied to her and told her I cashed the check and left, they said nothing about it being there fault.
They finnaly gave her the money back and then came after me, My parents in CA got calls all day and I started to get calls.
Of course I dont think this is my fault what so ever so I tell them to stop calling, this is there fault and im not paying. They did stop.
Then yesterday I got a letter from ersolution collections about this issue. They want the difference of 676 back.
I dont have that kind of money! This isnt my fault!
This was not a loan, I did nto sign anything, this was 100% there fault.
This is the same thing as getting to much change back at a drive through!!!!!
I have 30 days to respond or I am getting reported to all of the credit guys.
I just turned 18, I really cant have my credit messed up this early.
What should I do?