One of my friends lived here for about 9 months back in '07. He moved 4 hours from here, and put in a change of address through the post office. Never did get any mail for him after that. The post office did forward it all and he never ordered anything to really get junk mail.
He never changed his phone number and has had the same one for about 5 yrs.
Today out of the blue a debt collector calls him and says that he owes $1,400 dollars. It appears that his account with US Bank was overdrawn by $3 dollars. They never contacted him in anyway, not here at my house by mail nor did he have anything forward to his new addy. No phone calls to his number or mine, which has not changed either. The man called him today for the first time ever and he answered, he was not hiding. So they have had a way to contact him for over 2 yrs but choose not to. There is something bogus to me about $3 turning into $1,400. They claim it is late fees and whatnot.
How do you fight this?
I would love to have him report them to whoever regulates banks, like the FDIC, but is that just insurance?