I received a call from Valentine & Kebartas, Inc. A couple of weeks before Christmas and was told that due to me not being cooperative, I must pay off my debt with them immediately before the account went further through their process and possible legal actions were taken. I explained to them that I worked in the mortgage industry and was receiving very little pay. They insisted that I paid the full balance and told me that because I was not cooperative, they would have to take it further. I believe in settling my debts, but could not do anything. I told them I would call back and they told me that they were willing to settle for a lot less than owed if I paid the full amount. I talked to supervisors and reps during an hour long conversation, so I made an arrangement to make a payment of $678.60 on the 27th of December with Mark and was given the confirmation code of 121008.
I cut back on Christmas, scrounged up the money and made my payment. After making that arrangement they said on the same call that I would also have to secure 100.00 and that I should be caught up enough to try to get back on a regular payment plan. I set up the payment and they withdrew the money on 1/28. I did a verbal authorization. At the end of the call they also told me that I would have to make arrangements on the remaining balance in March and I told them I would call in. On 1/17 and 2/17/09 they mailed me a letter confirming the payment in December? (Not sure why so late), and on today 3/2/09 they withdrew 2423.10 from my checking account which depleted all of my funds to pay my rent and utilities. I called and talked to Dana (male and not friendly) and was told that I authorized for them to take the money. He began to tell me that they had a recording, but when I asked to hear it he said I would have to talk to a supervisor and that his supervisor was at lunch. I called at 2:28 MTN time; his time zone was eastern so it was 4:28. I left a msg for a MS. Sherry and have not heard back. He (Dana) said that I made the mistake and that this is common. I contacted my bank and they said that they will do an investigation, but I am very upset that they did this.
I originally had a balance 2523.10 when I first started to make payments, with Valentine and Kebartas Inc. I am not sure where to go; I would be in jail if I stole 2000.00 plus dollars from someone.
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