To Whom It May Concern:
I am writing to formally dispute Merrick Bank's claim of $815.00 owed on account number 4120613043907622 in my name, Scott C. Curtis. Although I satisfied a settlement agreement with FBCS, Inc. on behalf of Merrick Bank in November 2007, I continue to receive collection notices on this account the most recent from CardWorks Servicing, LLC.
FBCS, Inc. collected a total of $1,708.53 from me on behalf of their client, Merrick Bank, from July 2006 through November 2007 to settle account number 4120613043907622 as follows:
In July 2006, FBCS contacted me and offered to settle my account for $1,200.00.
In June 2007, after having made twelve consecutive payments totaling $1,200.00, FBCS informed me that I would need to pay an additional $508.53 to satisfy my original account to Merrick Bank.
From July 2007 thru November 2007, I made five additional monthly payments totaling $508.53
In November 2007, after having paid FBCS a total of $1,708.53, I was told by FBCS that the account was settled. I asked for a settlement letter, but never received one.
As you can see from the timeline above, FBCS kept moving the goalpost, so to speak. The $1,708.53 I paid to FBCS is more than the original balance on my Merrick Bank account (minus penalties and fees). I refuse to make any additional payment on behalf of account # 4120613043907622.
I request that Merrick Bank please consider this debt satisfied, and report it as such. If you have any questions regarding this dispute, you may reach me by phone at: (562) 522-1317. Thank you.