Creditors Exchange ripoff, rude, dishonest, Arizona

If this company has taken more money than agreed upon, they have not only broken federal law, but Texas law as well. The Texas Debt Collections Act clearly states that a collector cannot take more money than originally agreed upon. I'd suggest suing them under the Fair Debt Collection Practices Act as well as the Texas Debt Collections Act (this is very easily done in Texas in small claims, at your local Justice of the Peace and doesn't cost very much). Under the Texas Act, they can also be held criminally responsible, so write to the Texas Attorney General.

Under the Texas Act, when you call them up (and always record the conversations), they must always tell you their real names (not some fake handle or alias).