Financial Credit Services unauthorized payments Palantine Illinois

My husband just received a letter stating he owes $6819.39 from a collection agency for an old discover card. MY husband and I Have been married over 12 years and we never owned a discover card when I called the agency to ask about the bill they told me it was opened in 1995 and they would offer me a settlement to pay it off before they put it in a judgement or take it to court.

She told me that she would need my checking account number in order to go any further, so i gave her the info and she told me the date the first payment would be of $391. and gave me a second date for the $1566. I advised her I wasn't sure If I had the money to pay that she said if I could not pay it to call her the next day.

After I talked to My husband he said we didn't have that money to pay in 2 weeks which I didn't realize the date so I called back to tell her not to run the check for the $391.00 because I wasn't going to have the money for the rest she kept insisting for me to give her another date to run the check I told her NO because I didn't have the money for the rest. I did not want that money taken out! Our phones were disconnected I could not call back because I was at worK a few days later I checked my account and found the money had been taken out.

When I called they said it was already set to go through and they couldn't change it. I told them when I called I advised the lady I did not have the money she said they couldn't do anything about it and that the rest of the amount will be taken out also..what can I do about this??

I have seen several complaints about this company, seems like they are saying the same thing to everyone that they have judgements on them had I known what I know now I wouldn't have given them any info I only gave it to them because they said they would have it processed for a judgement and it can be taken off my husbands credit report if paid come to find out its not even on my husbands credit report.

Melissa
visalia, California
U.S.A.