[capt_noonie]

BofA is the worst when it comes to customer service! I had a fraudulent small charge on my acct and it took weeks for them to fix it.j I called and they kept tranferring me over and over and over again, telling me I called the wrong # when it was the same # I was calling. After I finally got my money back I closed my acct. I still had cc debt with them so when I went into the branch to pay, they asked me if I wanted to open an acct. i told them I just closed one bc of their terrible customer service.

Now I am not happy with Chase either, but a friend of mine works for them, and I had a huge amount of fraud charged on my acct internationally. She handled all the paperwork and my money was returned within 24 hrs. I do believe though, if I didn't know someone who worked there, I would have been shown the same "courtesy".

I'm really thinking of switching to a credit union.

As for the OP, there are SO many scams going around right now. A lot of debt collectors that are not real debt collectors. Trying to scare you into paying a debt that you don't have. If anyone gets anything fraudulent through the mail, you must tell your local post office as it is a federal offense.