You need to go to the bank, to a branch office, and just apply with them there. That's your best bet... although, you could always use US bank, Suntrust, Chase, etc...
Say I had a account with Bank Of America 3 years ago or so and it went in negative and they close the account and sent it to collections.
Do you think I could open another account in my name again with them? I have heard of some people doing this and the bank not catching on...
What are your thoughts and experience?
BoA usually want the negative balance restored. Quite a lot will depend on how far it went with collections AND the circumstances of why. Crucial to a new application is the amount. (None of which I need to know).
__________________ REAP WHAT YOU SOW. LIFE IS SO NOT FAIR.
IMHO it's pretty hard to have a negative balance with a bank, but that's me, since I think it's a huge deal for me to keep my reputation with my banks 100% perfect.
I know it's out of topic, but it usually baffles me when someone has a negative with a bank. I just don't understand it.
Probably different in the US, but I had an account go over a couple hundred. I honestly didn't know as I wasn't using the account and moved. Found out a couple years later and paid it. They still told me to pound sand when I wanted to keep it open or get a new one.
Well see I was just going to reapply online and act like I was a brand new customer to see if they catch it. I did that with Suntrust once and they never caught except when I call customer service they ask if I want to take care of my other account neg balance, so Suntrust knows w..
Also with US bank, I went in the neg there back in 2002-2003 or so. Do you think it would be safe to try again with this bank online?
I'm in the same situation but only owe about $300 but for the past year or 2 but I've been too cheap to pay for it at the moment. Let me know how it goes.
Well I had an negative balance account with BOA from a few years back. They sent it to collections ( I had no idea of this ). I went early this year to open an account and they LET me open the account without any problems.
Few weeks later though I did get the collections letter and paid it off.
I too owed Wells Fargo about $400 in '06. I abandoned the account due to lack of funds (student) and reapplied in late '09 or early '10 online. I was accepted and preceded to open 3 more online and never once has Wells Fargo ever mentioned what I owed them. In fact, on my online statements it says I have been a 'valuable' customer since '04. I did have a name change but still have same SSN.
Wow - my experience with negative accounts in Canada is less than $100, yes they may well absorb it but anymore than that - you get phone calls. My own opinion is I would never become insolvent with any bank - it's not good for business since I use their other services.
But yes, U.S. system is qutie different so I can see.
Well I had an negative balance account with BOA from a few years back. They sent it to collections ( I had no idea of this ). I went early this year to open an account and they LET me open the account without any problems.
Few weeks later though I did get the collections letter and paid it off.
Funny, few days after I opened this thread I got a collection letter from BOA..LOL
Say i owe a bank from 3 years ago. Could I still open a account now with same bank? 
Dont fancy pruning today 
