Credit bureau and closed account

Posted Tue July 19, 2011 7:23 am, by Mengying W. written to TCF National Bank - Illinois

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I am a Chinese student. I left USA for China on May 15th. My last purchases were on May 12th and 13th which actually are overdrawn. Before I left US, I checked the account through ATM which shows that my account is still positive. Because I am in China, it is hard for me to get access to the phone account service. And also because I don't have SSN, I can not be enrolled in the online bank. When I fill in the profile, I both filled the addresses in US and in China. And on July 17th, I received an airmail from TCF bank which was sent on June 30th saying that my account is closed because of overdrawn. I have to pay back before 6th July. Then the big problem happened! The airmail needs 2 weeks to 2 months to be received. And I definitely missed the due date. But I immediately contacted with the TCF bank because I am really willing to pay the money I owed. I also transfered money as soon as I can which is done on 18th of July. (Then bank doesn't work during the weekend, so it is the quickest time that I can get my money transfered). If I got the bank statement before that date, I will of course pay back and the following things would't happen. But it seems that I have been reported to the credit bureau by the bank. I know I have to control my financial status but it is hard for me to get that information. And the bank didn't do well to contact with me since I also have the e-mail address and mobile phone number in my profile that I filled when I registered the bank account.
I really appreciate the work TCF did during the last year because it is really the best choice for me to be on campus. And I have appointed with the customer service about reopening and having more actions to take control over my account. But I am still annoyed by the entry in the credit bureau.

Pleas help me remove the entry from the bureau.

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How do you have by MA Cunningham Posted Tue July 19, 2011 @ 3:49 PM an entry on a credit bureau with no SSN? Reply Reply by WMYGRSCE Tue July 19, 2011 @ 8:41 PM Re: Credit bureau and closed account by PepperElf Tue July 19, 2011 @ 11:17 AM Reply by WMYGRSCE Posted Tue July 19, 2011 @ 8:43 PM I heard that it could be drop off though I paid that since the bank can remove it. I really have no method to get to that since I am in China Reply