I had an account with FCNB/Spiegel. I paid of the account in 1997. I enclosed a written statement notifying them to close the account upon receipt of payment. For a year, nothing. I changed jobs (truck driver) and was only home on weekends. I would get home in the middle of the night. I would get my bills together and do them so they would be taken care of. I recieved a bill. Paid it. I didn't realize who it was from. It was form FCNB. I paid it. I hadn't recieved a bill in a yearand I didn't recognize it. I did that one more time. The next time I recieved a bill, I remembered that I had paid off this account already. The collection calls started. I explained to them what happened and they would stop calling. Then, in early 2005 I get a letter from a lawyer representing a collection agency on behalf of FCNB/Spiegel.
I told them to send me in writing what I owed and a statement to the effect the account would be taken care of for good and I would pay them. The lady on the phone was hatefuland rude. She told me she couldn't send me a letter of how much I owed. I couldn't send them $600 without it. Well, four months later and I have to go to court 10-18. I don't have the last bill stating the zero balance. I am screwed. I was going to pay anyway. At least maybe a court order will make sure it is over. I feel better knowing I am not alone.
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