Afni, Verizon Fios, Verizon kept charging my closed account, and now demaned a payment Bloomington Illinois

I got Verizon Fios about spring 2006, all was great untill i had to move to a new address, so on June 28th 2006 i called up fios and told them that i have to move , they said that we(verizon) will close the account, and open a new one, so i gave all my info again, gave them a new card to charge.

So i moved and my landloard said that he is gonna fix sidding on his house in couple of month, and it would be better, if i wouldnt get verizon fios for now ( they install a big box on the side of you house). I wasnt home one day and the verizon guy came in to install, my mother opened up a door, i forgot to tell here that (because they came a day earlier that they said they would) so she didnt know what to say, they guy said call back when you get letter that says that my landlord allows the box on the side of his house. I never got that letter, so i never called them. And i never heard from verizon, so that was it.

Now we fast forward to October, i jsut randomly desided to stop by my old house to check some mail if any. To my big surprise there is a letter from verizon saying that i owe them 145 dollars for cancelation fee, late payment and owed last month? Now i called verizon to sort it out, they admited that the service shouldve stoped on jne 28, thats when i called, and they said they dont really understand why i have been charged till september and that they will give me a call back within a week and sort it all out. like a good boy, happy that i finally prooved a big corporation wrong, was sitting like an idiot and waiting for their call. now instead of a call back i just got a letter, and not to my old address like they kept sending me all thoes letters, but to my new addresss, saying: Payments: Writeoff-145 . Well i though that this was good, and forgot about it, since it said that amount due is 0 dollars.

Now two days later Afni comes into the picture, they call me up, first of they interupt me, yell at me, insult and belittle me through the whole conversation, and it feels like evey time i say something they say, ok thats great, how will you be paying. I tell them my story , first of, they accuse me of lying and changing my story ? when i ask how did i change my story, they ask me how will i be paying.

So in my painful conversation, i explained Afni what happened, they told me, that, since i changed my story so much during their conversation, i cold not possibly remember the conversation and that there were some miscommunication and that i didnt understand that my card is still being charged, i had with a verizon rep june 28th, when i ask them do they have a record that my account was closed on 28th of june, they say no(even tho verizon person said they do) i asked them , so how can i proove that i dont own any money.

They tell me i have to talk to verizon, but wait, i cant because my account is with afni!! They keep telling me that probably i signed a contract saying that i will keep using verizon fios for certained amount of time ( honestly i dont remember if i did) but they dont even know if i did, they dont have any of my account iformation, they dont have records of me calling them on 28th of june, or me calling verizon couple of weeks ago,( or so they say).

What should i do, they threaten to put on my credit report, i mean its only 145 dollars, but i am a college student, and its a lot of money for me, and i dont want them to win.

P.S. My only proof is that have two different cards that have been chraged first it was my credit card, and then when i said im moving and i gave them my new info, i gave them my debit card. Please help, let me know if you need more info.

P.S.S. It also doesnt make to sense to me,that verizon can charge me for service, that they didnt provide. I know i shouldve checked my bank statment, but im young and would never think that someone could try rip me off like that, like we always think.

Mike
Staten Island, New York