I've got a question.
About 3 years ago, I had a cellular account with Cingular. The bill was always paid on time. Finally, in April, 2005 I paid the bill, and whether through a bank error, or Cingular error, my checking account was double debited the $278 monthly payment.
I called Cingular, and my bank and my bank reversed one of the charges. In the end, Cingular still received one payment, which is all they were supposd to get in the first place.
A couple of months later, they started sending me collection letters. Again, I called, and got documentation from my bank, stating that the money had been double debited, and one of the charges reversed, resulting in a net payment TO cingular, of $278.
I faxed and mailed a copy of this letter, along with my bank statement showing the same thing.
I didn't hear back from them.
Now 2 years after that, I got a letter in the mail from AFNI collection company, saying I owe Cingular the same $278 plus a $40 collection fee. I've told them about the previous issue, and letter, but they won't hear it. They say I owe them $318 within 30 days, or it's going on my credit.
I'm not willing to let such a small amount affect my credit, especially since I work hard to keep it positive, but I don't know what my options are.
Any help?
Thanks,