What A Scam!!!!!!!!!!!
Nevermind what happened for this incident to progress this far and YES, I do my best to pay my bills on time, save for disputed parking tickets.
Anyway, Cortrust Bank sent my account to Arrow Financial, who I made regular payments to and eventually agreed upon a settlement amount split into two payments. First payment; No problem but when the second and final payment was due the problems started with this woman. First she can't find my file and gets an attitude about the amount that I am paying but with me not backing down, she came to her senses and said that after this payment all will be settled. This was on a Friday and no manager was around to authorize the charge to my "debit card" so for whatever reason no charge was applied until that Monday when it in turn was declined.
Now I don't claim to live a high octane lifestyle where I can't monitor my balance all weekend BUT when a given company gets my authorization to run a charge on my account I expect them to do it that day, right?
Well, that following Monday, I check my balance and notice that these people sent the charge through that Monday and it was declined. I promptly put more money onto the card and called the guy to tell the woman, who now seems to always be in a meeting to "run it" again.
Well, they finally did later that week but according to them it was charged to my card AFTER the settlement agreement deadline!! Friggin' bottomfeeders!!!
So this morning I call Redline Recovery Services who now have my account because Arrow (in my opinion) dragged their feet by not charging off my balance in a prompt manner.
So instead of me having paid this debt off months ago, I have been offered a new settlement amount for about 100 bucks more. I angrily accepted the offer and will demand a receipt stating that this account has been paid off in accordance with the settlement offer.
It seems to me what these collection agencies do is get as much as possible from you then if they get a chance to, they pass the paper off to another agency and try to "double bill" you.
I know money is tight these days but that shouldn't be the reason or excuse to try to rip people off.
In my opinion some of these collection agency employees rank right up there with used car salesmen, online loan officers and carnival game attendants!!!