Two weeks ago I received a notice from this collection agency stating that they have been trying to get a hold of me through phone calls and letters for a year and that this was my final notice before I was going to be reported to Equifax about an unpaid electronic check payable to BB Online Recurring Payment for 10.64. Well first thing I found wrong about this was this letter claimed it was the FOURTH notice that they had sent me an I had never received a letter from this group or any phone calls for that matter so I first thought it was some scam. Not wanting to take any chances I called this company and they asked for a claim number which I gave them from the letter they sent and the person I talked to claimed that because it was a returned check that I would have to pay the 10.64 and 30.00 returned fee. I told her I had never had a returned check nor had I ever received a notice about any missed payment ever. Apparently this unpaid electronic check was from 1/13 and they didn't send me a notice till 7/22 so I explained that this must be a mistake because I couldn't imagine having not paid a ten dollar fee to anyone especially at that date in time because I was very well off financially at the time. The person I spoke with said she would send me a copy of supposed returned check, but I tried to ask her who was exactly that I owed money too because I personally don't have any type of online recurring payment set up with anyone. The person said that they don't know who the merchant was they just know that they were asked to collect the fee. So she said that she would send a copy of the check but the whole time she kept implying that I go ahead and pay the fee of 40.64 to which I told her I would like to consult with my bank first to see exactly what it was I was paying for. The next day I went to my bank where they were able to draw up the records of my purchases for that month of that year and found no records of bounced checks or withdrawals from online sources. After hearing that I wrote this notice off as a scam but today I received yet another letter in the mail from the same collection agency claiming that this is their FIFTH NOTICe sent to me and that legal action would be taken against me. I've tried to call again to find proof of what exactly this unpaid check was but they won't tell me that information they just said the entire time pay this fee and this will go away. Now I just want to know is this or is this not some type of scam, how can I resolve this, and do I need to get an attorney?
0 comments