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I have previously lived in Germany most recently while teaching English in 2007. When I moved back to the US in 2007, my Girokonto at Citibank was overdrawn by a few hundred euros. It was supposed to be covered by my roommate putting my Mietskaution into my account, but I found out later that he didn't do it. Probably 18-24 months later, I called Citibank DE to try and take care of it, and there was no longer any record of my overdrawn account, even though I know the roommate didn't pay it. I don't know what happened to it...I assume that Citibank wrote it off as a bad debt, but I am wondering if there could be any legal effect resulting from this. I recently received a new job opportunity in Germany and am wondering if the Auslaenderbehoerde may have this information and if it could prevent me from getting an Arbeitserlaubnis or Aufenthaltserlaubnis. I am embarassed about the situation....I was far away, so it was easy to ignore, but I did intend to clear it up...it's just that by the time I called, the person I talked to could not find any record of it.
if the bank doesn't have any record under your account number they must have written off the whole issue. If you just had an overdrawn account this will usually not have any criminal consequences. And a civil lawsuit will not be possible without being able to deliver any documents in a valid way.
Thus, you should just apply for the visa and see. It does not make sense to do any further investigation.