I last paid on my card debt in 2016 and WF closed the card account in 2017. it has since been charged off and sold to a 3rd party. The sol has passed and recently the bank just grabbed a couple hundred $ from my checking account calling it "Legal Recovery", but refusing to say under what authority or legal action it acted and refused to tell me why. Then I saw on my report that they claimed I made a payment on the expired and closed, charged off account! Is that legal? Wouldn't this restart the sol? I made no payment and when I asked them they finally admitted taking the money for the card debt and said they gave it to the collection agency who made a payment for me! This cant be legal. I need advice, please.