<prompt> Human: In 2003 I got my first credit card at the age of 19, an entry-level USAA card. I was in college super dumb and quickly maxed out the 1200 limit. Of course I couldnt pay anything on it. A year later I start getting calls from a 3rd-party debt collector about this card and I ended up paying it off for probably about 800 if I remember correctly. It seems that the debt collector never informed USAA that Id paid it off foreshadowing. This was 12-13 years ago now.Fast forward to this afternoon, I have been trying to purchase car, renters, small business, and health insurance from USAA and was told Im paraphrasing theres a restriction on your account preventing me from getting a quote for you. So I get transferred to their Credit Charge Off Department. They punch in my details and tell me that I still owe them the 1200 and that I can remedy the situation by paying 850. Im holding off on that until I know more.I dont have any receipts or emails from the transaction with the debt collector from 12 years ago. Its no longer on my credit report. How can I present proof to USAA that I did indeed pay someone for that debt and to release the hold on my account?Please help and thanks for your attention.Edited words.  <response>: They can demand payment for the charged off account or refuse to do any further business with you. You can ignore this and find your services elsewhere. I have a charged off citibank 300 credit card account from 25 years ago and citi will no longer do business with me. 