First of all, please be aware that this company is a complete fraud. They did the same thing to me. They claimed the I owed money on an old CITIBANK credit card. I couldn't remember if I paid them so I called them to negotiate it and got in a screaming match with them. THIS WAS MY FIRST MISTAKE: Do not call a credit card company contact them in writing only.
I sent them a cease and desist letter and asked them to validate their information. While researching this company and reviewing another post on the RIPOFF Report, I found out that this company operates as a foreign corporation our of Canada. So I sent a registered letter to their Canadian in early 2007. Their Seattle office sent me a validation letter but the figures still weren't right and they were claiming that I owed them $5,000 dollars on a $300 dollar balance from Citibank which I had closed that credit card. They were claiming that I owed them interest from 2002.
I knew something wasn't right and I had a gut feeling that they were lying and in cohort with the Credit Repairing Agencies. My next letter was from an attornies office in Virigina Beach, Va claiming that I had to comply or they would follow suit. I still did not let that deter me nor frighten me. I searched through all of my records because I had gotten burned once before and FOUND 3 cancelled checks paying off my CITIBANK credit card completely. Finding those 3 cancelled checks were my vindication. I imediately typed up letters to all 3 Credit Reporting Agencies along with the 3 cancelled check and had them place a FRAUD Alert on my credit profile. I also contacted the Federal Trade Commission (FTC) about this company and I encourage everyone else to do the same.
Consistently stressed by discreditable service
Durham, North Carolina