I received a letter over the weekend from ARA stating that I owed $694.54 to a creditor named Radio Shack Citi Financial, (a company I have not done buisness with). On Monday morning, I called ARA to inquire about this supposed collection I owed them. The letter was from a Mark Farmer, and I spoke with the "floor manager" Mr. Hall at extention 3062. I was informed that they could not give me any information except to say that payments had been made on the account at one time. Other than that he said that he didn't have any other information he could give me. After offering to settle with me for a lower amount, he threatened to turn it over to the lawyer in 30 minutes if I did not return the call and pay them. After much research and many phone calls to Radio Shack, Citi Financial, and Capitol One, I found that this debt does NOT belong to me... Of course I knew that in the beginning.
Threatening and scare tactics do not bother me but are absolutely uncalled for. I am sure they get many people to pay this way. Don't be fooled, do your research.
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