<prompt> Human: I moved from PA to MI, my home state, in June this year. I lived in PA for about 4 and a half years. During that time, I opened a bank account with a local bank that only does business in PA. After moving, I converted all of my subscriptions and online accounts back to my Michigan bank instead of my PA bank. This includes things like Spotify, podcast subscriptions, netflix, amazon, etc.Somewhere along the line, my paypal was still linked to the PA account. I should state that I left my PA bank open because my girlfriend moved with me and I figured if we ever needed to cash a check or make a transfer or something while visiting her family in the future, that would be the best way. So anyways, towards the end of August I made a purchase through paypal. I assumed it came out of my Michigan bank. It didnt, it came from my PA bank. I didnt notice this for a few weeks until I looked at my MI bank statement and thought didnt I buy 2 things through paypal? Why are they not here. I checked the PA bank and boom, 2 transactions totaling about 19 My checking account still had around 5 in it so the negative balance was -14ish. At this point it had accrued over 100 in overdraft fees. 2 35 fees for going in the red, and 8 every day for like 3 weeks. I immediately was like, Oh shit I totally made a mistake! I called the number on my checkbookdebit card as soon as I saw the balance. I spoke with someone in the call center about it basically saying Im a student who moved to Michigan to go back to school, I thought I had everything transferred over, I obviously forgot to fix something on my Paypal, Id like to get this issue resolved but I would also like to discuss with someone about getting some of these fees taken away. I felt that a 14 mistake turning into 150 of fees was a little ridiculous and hoped they would discuss it with me. She told me I needed to call the branch I used to go to and discuss it with the manager because she couldnt approve that.So thats what I did. I called the local branch immediately and asked to speak with the branch manager. They told me she was busy with another customer and wouldnt be able to get back to me today, but she took down my name and phone number and said she would get a hold of me within a business day or two. I said okay and hung up. After almost a week with no call back, I called again. Literally the exact conversation took place, I was told she wasnt available but she will call me back. She even had my name and number already written down and read it back to me. So I said alright and hung up.Another week went by and still no call. I called again for a 4th time 3rd time to the local branch and was told she was not in that day and she would leave my number on her desk to call me back. She never did. As a full time college student with a full time job, it just slipped my mind and I didnt think about it for almost 2 weeks. I got a letter in the mail from a collections agency saying I owed them 230 on the banks behalf...I called the bank and this time demanded to speak with a manager because I received a collections letter, they immediately transferred me to the manager go figure... I calmly and politely explained the entire situation to her and made it clear that I had made 3 separate attempts to speak with them to get this debt fixed. Obviously I cant come in and make a deposit because Im almost 600 miles away from the nearest branch, but who would I send a check to? For how much? She said that since they sold the debt to the company, there isnt anything I can do, but I would still be expected to send them a check for the 14 plus 2 35 over draft fees and something else totaling about 100.I asked her for some sort of receipt or invoice in writing that would confirm the amount I needed to pay to get this fixed and she said that she cant give me anything like that because the debt isnt owned by the bank anymore, to which I responded then why are you asking me to send you a check? She said she would have to speak with a district manager about this issue and get back to me. Two days later she called and said that this is what they could do: I need to send a check or payment to the collections agency for roughly 100, then I need to contact the bank and tell them that I sent the money to the agency. After 1 week, they will contact the agency to see if they received money for me. They will then ask the agency to forgive the rest of the debt on the voicemail she explained that the debt forgiveness is up to the agency, not the bank anymore but it will still leave a mark on my credit history. I feel like this is totally unfair. I made multiple attempts to get this situation fixed as soon as I was made aware of it. They failed to call me back or make any contact with me at all about it and sent it to collections which is now affecting my credit score. I admit I made a mistake, a 14 mistake due to circumstances of moving out of state and just not being able to go down to the bank to make a deposit. It feels so unreasonable that a 14 mistake can turn into a mark on my credit history and require me to pay over 100. Am I wrong? What can I do? I told her that I would be fine paying that amount if they can guarantee me that this will be erased from my credit history like it never happened because its not my fault that they didnt call me back when I tried to give them my money. They told me they cant promise that. Is there anything I can do? Am I just screwed because they couldnt pick up the phone?Edit: Sorry, I realized I left out some dates that may be of importance. I moved in June. The 2 transactions happened at the end of August. I made contact with them for the first time halfway through September, again a week later, and again in early October. I received the collections letter about a week and a half ago. I should also note that since June there has been no other transactions with that bank at all, the 2 that came out were completely and honestly unintended to come out of that bank. Obviously I dont want to pay 100 for a 14 mistake, but Im more concerned with the fact that this is going to be on my credit report when I made multiple efforts to get this fixed as soon as I was made aware of it and they failed to call me back.Edit 2: I think there is a misconception from the replies that I just neglected to pay it in hopes that I would get it reduced. When I called I certainly planned on discussing a possible reduction in fees, but I called TO PAY the debt. Who do I send this check too, for how much does this check need to be written? Local branch? Headquarters? Collections agency? The amount the bank told me to pay and the amount the collections company told me to pay were two very different numbers, I wasnt going to start sending out checks without confirmation that I was paying the right person and paying the right amount. I called with the exact intention of either giving them my correct credit card number over the phone or getting the proper address to send a check, not to try to get out of paying it. That is why I have this issue with it being on my credit report.Assistant: That sucks. But this is how banks roll. Its not unreasonable at all that a 14 dollar mistake can balloon to 100 dollars. Especially since you waited so long between calls. Its been 2 months since the original problem, of course they would send you to collections. This is how banks make a boatload of money like they do. Heres my advice: document everything, make a note of who you talked to, and when. I would call the collection agency and explain to them what the bank told you. Perhaps you will only have to pay 100 and not the 230.I feel like this is totally unfair. The bank is not your friend, or your parents. They are a business out to get money from you. Are you young? You sound young. Chalk this up to a money lesson. I did something similar myself when I was first on my own. I called, and managed to bring my 135 dollar fee down to 50. Lesson learned. Now, you need to stay on this to fix your credit score, which I have no idea how to do. None of this call once a week until you forget about it crap. But I dont this this hit is as bad as you think it is. Yes you should try to get it off your credit score, but if you cant it will be gone in 7 years anyway. Not the end of the world.Human: Sure its not the end of the world, but I made multiple attempts to fix this as soon as it came up. When I say its totally unfair, I mean I called the damn bank to give them money, and they told me they had to call me back. Three times. It wasnt until after I received a letter from collections that they finally spoke with me. Sure paying over 100 for a 14 balance sucks, but thats totally fine. What isnt fine is that this is now on my credit report. Sure it will come off in a 7 years, but it shouldnt be on there in the first place. They sent me no notice, returned 0 of my phone calls. I want to give them the money that I owe on the condition that this is erased from my credit report. The question I have is is that a possibility? I made the mistake, I have no problem paying for that mistake, but there is no reason this should be on my credit report. I made the attempts to pay them, they never called me back and sent me to collections like Im avoiding paying when thats not the case.Also, Im in my mid 20s. Again, paying 100 sucks but I dont care about that, I care about my credit report and this being on it when it shouldnt be in the first place.Assistant: I dont think Ive succeeded in getting any company to actually call me back, ever. Im pretty sure thats just a way to get customers off the phone so they dont have to deal with them. That credit report thing sucks. I was thinking that you might be 19, so it would be years before you did anything financially important. Keep calling people. I hope you can get it taken off. Human: I have since learned that there was no bank Manager during September because the old one retired or quit or moved or something. So Im not sure who they expected to call me back. Anyways, its a town with 3k people, very small local branch, and Ive never had any issues with them before. I wouldnt have expected them to not return my call as they have done so in the past.  <response>: The biggest mistake was not calling them back right away the next day. When you talk to bureaucratic things you cant wait for them you have to take the initiative. Otherwise they wont give a Hoot. 