Legal Question in Credit and Debt Law in Ohio

In Ohio, you will still owe the debt. Their inefficiency in billing you may be a defense to any late fees, but you should still work with them to get the matter resolved. There are a lot of things that can go wrong with modern banking, many of which are security related.

The best course of action is to document the efforts you have taken to work with them to resolve this in case things go sideways later on. Whenever you are before a judge, it is a great advantage to be seen as the reasonable one who tried everything possible not to be there.