On XXXX/XXXX/XXXX I noticed a debt on my credit report from First Bank XXXX. I proceeded to call First Bank and they informed me it was for a checking account that I had a year ago? I never opened a Checking account with First Bank a year ago, my credit report states it was opened in XXXX. I then asked why I owed so much and they informed me it was due to fees and interest. I informed them i never agreed to these fees and interest, or never signed anything agreeing to those costs. I then asked them if we could settle the loan and they informed me they do n't settle anything outside of 60 days of the debt being charged off. I feel I 'm being treated unfair and discriminated against. The reps I spoke to informed me that they reached out to me 60 days after and were n't successful in getting me to pay. I never received XXXX letter or call in regards to this debt. I 've also taken note that there 's public record proving First Bank has settled other debts with other consumers pass the 60 day mark and they informed me they never have and never will. They sell of debt that goes to third party vendors who do it all the time. The branch i discussed this with refused to acknowledge this and refused to provide me proofs where I signed, and acknowledged the fees that came with this Checking account. These type of practices should n't, and cant take place with. I feel because I 'm XXXX they 're treating me as if i 'm note educated and have no clue what I 'm talking about. I again would like them to produce documentation that I singed, and agreed to these fees that came with the checking account along with proof that they 've never, ever, accepted a Settlement on any post charge off accounts that exceeded 60 days. 
