On 1/16/09 I received a call from a woman named Linda, identifying the company as RAB. She wanted to speak with me concerning a debt that I owe to Capital One. I called Capital One regarding settling this debt on 4/17/08 and was told By Marilyn, at 1-800-258-9319, that this debt was not mine. I disputed this debt on Equifax the same day.
After Linda called me on 1/16/09, I called Capital One at 1-800-258-9319 and spoke to Fiona at 6:30 pm, and she stated that this had this account charged off due to bankruptcy. However, I have never filed bankruptcy. Fiona said that an investigation needed to be done and call back. I called back at 9:00 am on 1/19/09 and spoke to Erin. She said the account was closed due to bankruptcy, and when I informed her that was not the case, she told me to call back on 1/26/09 to allow time for investigation and then a settlement could be reached.
I called Erin endlessly on 1/26/09 and could not reach her. I called the general number 1-800-258-9319 and spoke to Kelly, who informed me she was an account manager. I told her the conversation between Erin and I, and Kelly stated that they could not make a settlement with me, that I would have to call RAB. I called RAB at 1-866-214-8706 this morning at 10:30 am and spoke to West McDonald. I told Mr. McDonald that I had spoken to Linda on 1/16/09 regarding this debt and that she offered a settlement of $1000, and I would like to settle this account providing that they would send me documentation of the debt. Mr. McDonald stated that they sent a form to my current address, but Linda asked if my previous address was correct when I spoke to her. He said he would fax me the information. He declined to settle the debt with me for the $1000 stating that the rates for settlements change by the minute in the office, and once you hang up on an offer, the offer is no longer valid. Linda did not communicate this to me on 1/16/09. I had asked Linda on 1/16/09 if I could make the settlement in two payments of $500, but she said I had to pay the full amount now to get the offer on 1/16/09. I asked Mr. McDonald if the company accepted multiple payments and he said yes. When questioned about Linda's statement regarding the denial of multiple payments, he refused to answer.
I settled the account for $2276, but I feel that the company uses unfair tactics to jack the bill up. Once an offer is made, proof of the debt is required by law to be sent in 5 days, which I have yet to receive. The fact that Linda lied about being able to take multiple payments is deplorable.
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