@patty

I wouldn't close my account because of this. I don't know the number you are talking on these 3 months, but you can do the math yourself. You may owe them, they may owe you, I don't know the details.

If in fact you owe them, then closing your account might jack your credit rating. Although it is a grey area if they can in fact go after you ... I suspect the answer is no they cannot do that now. If they owe you money ... get in line with the rest of the people.

Bottom line ... closing your bank account is probably not a good idea. Especially if the amount owed in either direction is minor.