FCNB gave me a secured credit card for $150 with my deposit of $100 back 15 years ago. I moved away out of state and owed them a total of $25 dollars. I kind of forgot about them in the past as 15 years have gone by and they are not on my credit report and I never got another bill from them. I have a credit score of 835 and I just got a phone call from these a-holes on my cel phone which no one has except my relatives and is on the do not call list. They are telling me I owe them $985 and will settle for $650 15 years later from a $25 debt. I heard they are not even in business anymore and its a stupid collection agency which I just screamed at the woman and made my blood boil. I thought after 7 years it clears anyways. How the hell can they come after me 15 years later for $25 telling me I owe $985. This is the 3rd collection agency calling me in the last 15 years. Hell, the people calling me were 7 years old when I had this credit card. WHat do I do? I am not paying them for a $25 debt, and for a bank who is outta business. Then the stupid woman on the phone threatened me by saying she was going to report the balance to the credit reporting companies.
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