In XX/XX/XXXX, I closed my student checking account at a XXXX branch in XXXX NC. The person that I worked with was rude and informed me I didn't need to sign anything to close my account. In XX/XX/XXXX, I received a bill from a collection agency XXXX for an overdraft fee + transaction (that I didn't make) that supposedly happened in XX/XX/XXXX. It appeared as if my account had been reopened specifically to be charged. The reason behind my closing the account was due to monthly maintenance fees, yet they have no record of any maintenance fees prior to this supposed charge, if my account had in fact been opened my account would have been charged a maintenance fee for every month prior to this "transaction". It is my understanding that once an account is closed, a bank cannot re-open it without the account holders permission. 

  I submitted a dispute and validation request, the information provided seemed weak at best. They sent a response and XXXX statements, spanning three months, the account type is listed as an "Everyday Checking" on the final month, although it is listed as "student checking" on the prior XXXX months. With a starting balance of $0.00 for the XXXX month (which should have been negative if they were charging me a maintenance fee).  After this response, XXXX never tried contacting me again. 
  Now I have received a new attempt to collect on this "account" from Convergent Outsourcing, Inc. It is not a large amount, but I do not owe these people any money.

Of note, when I made my original claim I was told to contact you directly by the Federal Trade Commission.