I'm not disputing that I did owe Verizon wireless a balance of approx. $850 because I canceled three cells phones and had to pay early termination fees. I was still sending them $50 per month and they still sent me to collections. This is how it has been going.
Day one: I was notified by phone that someone on behalf of Verizon wireless was collecting on a debt. At first the man talked nice to me. He asked me how I was going to take care of the balance I now owed. The total amount now was $1103. I told him I couldn't make a lump sum payment but could make monthly payments. When he asked how much the payment would be, I told him that $50 per month was all I could afford (on disability). He laughed at me and said that they wouldn't take less than $185. I told him I couldn't do it. He said that since I was refusing to pay, Verizon would add another 33% on to the amount and it would be put on my credit report and they would take further action. (I didn't know Verizon was no longer in the picture, but this was his threat).
Day two: Got another call from Allied. They told me they would be sending me a letter about the balance due and asked when I was going to pay them. I told them I would pay them, but not $185 per month, I could only afford 50$. I asked why such a high amount and why could't the monthly payment be adjusted. He told me that since I was in breech of contract to Verizon wireless they could do whatever they wanted and charge me whatever they wanted. He became argumentative and said that since I was refusing to pay and they would take further action. I told him again I wasn't refusing to pay and I hung up on him.
Day three: They called again and left a message with my daughter. When I called back I talked to some who was very nice (Kelly Grant-good cop/bad cop??) and explained to him what has been going on. He said that Armando (finally got a name) had no reason to be contacting me everyday since he said he was sending a letter. He said they didn't work on commission and that Armando wasn't making any notes our conversations. Kelly gave me a supervisors name to complain to and told me I could change who was handing my collections case. I called that number and got an answering machine (no surprise). I decided to Google the phone number I had to find out who these people were and get an address or some information. When RipOff report popped up, I got really worried. Oh no! I've filed a complaint before with Wells Fargo.
Day four: Got another call at 8:43 am (Sat morning). Again they wanted to know when I was going to pay amount I owe. When I asked for his name he wouldn't give it to me. I told him I still hadn't received any letter in the mail. He continued to push. I then asked him to cease calling me and that I was sending him a cease communication letter (copied off of a Rip Off dispute). His reply was that I was refusing to pay and that he was going to report this to the credit bureau. I told him that I wasn't going to deal with him and that I was going to call Verizon and only deal with them. He then told me that Verizon had signed off on this account and I had to deal with them. I ended the conversation by handing up on him. I called Verizon and they too said they couldn't help me and that I had to deal with Allied. Lovely.
Now I know Verizon no longer has my account and I'm not sure what else to do at this point? I copied a cease communication letter and am going to send it to them. I'm just wondering how far this will go legally. I know I have to repay the debit, but what problems is that going to cause and will they subtract any amount I send from the balance. I have read a lot of RipOff reports, just not sure what to do next.