So I had a debt thanks to an ex wife that as part of our divorce agreement I settled on paying it. Ok, not a big deal. I contact the company that the debt was originally with, which was bank of america. They tell me the account has been sold to collections and provide me with the number. At this point no one has even attempted to contact me so I figure this isn't going to be a huge ordeal. I was clearly mistaken.
I call up the company and have someone answer who has such a strong accent I can't understand a word he is saying. I explain to him that I am having a really hard time understanding him and it is nothing personal, but can I speak to someone else. He hangs up on me. OK. I figure he must have taken it as an insult, whatever I'll call back. Well once again I'm sent off to India because I guess the out source calls. I ask the person if there is a number in America, ideally in PA where they are supposed to be located that I could speak with and they say no. I get a manager on the phone who I can at least catch every second word from and tell them I am trying to settle a debt.
Well after a bit of back and forth requests to repeat himself, I finally get out that they are saying I owe 2198 dollars. Hm... Ok. I tell him that I believe there is a mistake because when I spoke to the bank it was 900 dollars or somewhere in that range. He gives me some speech about interest rates and so forth and says that if I am willing to pay IN FULL today, that they will settle the account for 885.00 This I find sort of funny that they are offering to settle the account for what it was really for in the first place when they've paid cents on the dollar for it anyway. Fine whatever.
I ask that they fax a statement to me saying that the debt is being settled for this amount. He says they wont send it until the payment is made because I could scam them. Hmm... no, that doesn't seem right to me. I tell him I need something in writing before I am handing over my credit card. Ok he says he will fax me something and call me after its been sent. Great. I tell him to give me a call back and I will be happy to pay it.
Well he doesn't end up sending it that day and when I call back in the next day and speak to this person he says it still hasn't been sent out. I tell him to FAX IT NOW please so I can get this done with. Finally they fax me something and I pay the full amount.
Well all of this seems fair and good and my debt is now paid right? WRONG.
Just got a letter in the mail saying that I have a scheduled payment amount of 885.00 and that my balance owed is 2198.34 How the hell does that work? I pay the amount that THEY AGREE TO which is the amount I owed and had no trouble paying back and they now try to scam me like this?! I'm the one that called them contacted them and had to CALL BACK OVER AND OVER to pay my debt. And now that I have, the thanks I get is them trying to get even more money out of me?
Any advice on this?? Everything I find online about them is negative and I would really just love to talk to someone who is actually in America OR doesn't have an accent so I can at least understand them.