I had an account on which I had overdraft protection. The bank charged me overdraft fees until the balance had passed the overdraft limit, then closed the account. I tried to wire them the money in the exact amount that I had been overdrawn, called them and they said I could wire it. They returned it account closed. Now, they have sent me to collections. My question is, can they still collect on this debt after they closed my account, and then returned my money when I tried to pay it?
This sounds like a case of the left hand not knowing what the right hand is doing. The bank appears not to have communicated well internally.
Try contacting the bank a second time and ask how to resolve the problem. You have indicated a willingness and an ability to repay what you owe; now you just need the bank's cooperation to allow you to do it.
When you talk to the bank representative, ask to have your account pulled back from the collection agency or attorney so that you can take care of the problem directly and avoid delays and added costs. Then get an agreement on how to get the funds to the bank, and ask the bank representative to make sure that there won't be a repeat of the earlier problem. Perhaps wiring the funds won't be the best way to go; if the bank wants the funds wired, make sure they clear the way with their wire department to ensure that the funds can be properly applied.
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This sounds like a case of the left hand not knowing what the right hand is doing. The bank appears not to have communicated well internally.