I just received a collection letter in the mail from Tri-State adjustments in WI. It's for a $2.97 & $2.14 charge from Cumberland farms smart pay, ( apparently an old account charged back and it didnt go thru) plus their $35 + $20 fees!!! It says call or write to us by 2/12/22 to dispute all or part of the debt. I haven't seen any collection pop up on my credit report, If I pay immediatly will they still report to bureaus?
Typically they give you 30 days to pay before reporting, check the fine print and if it doesnt say give em a call and arrange a payment in lieu of their reporting it.