What is the name of your state? Indiana
Last year my wife sent a payment to RMA to settle an old credit card account. It was by the beyond the SOL, which we didn't know. She sent it based off a letter sent by RMA offering to settle.
I get a call today from them stating that there was only $15.00 paid. I told them I'd call them back and I had paid it off last year. When we bought our home in January, it was not on my credit report.
Found the check dating back to 8-04. Called RMA back and the agent mysteriously found the amount for the $370 settlement BUT they had made an agreement to settle on 6-30 for that amount (with a form letter), the due date was 7-24, and they received the payment 8-26.
I know if I was settling an account, it wouldn't have been late.
This is the first time they have contacted me since payment and they now want roughly $1000 to settle the account AGAIN.
My question: Since the SOL was probably renewed with that payment and I assume they have bought the debt, do I dispute the charges or how would I go forward.
Someone please answer, I know it was a long read.
Last year my wife sent a payment to RMA to settle an old credit card account. It was by the beyond the SOL, which we didn't know. She sent it based off a letter sent by RMA offering to settle.
I get a call today from them stating that there was only $15.00 paid. I told them I'd call them back and I had paid it off last year. When we bought our home in January, it was not on my credit report.
Found the check dating back to 8-04. Called RMA back and the agent mysteriously found the amount for the $370 settlement BUT they had made an agreement to settle on 6-30 for that amount (with a form letter), the due date was 7-24, and they received the payment 8-26.
I know if I was settling an account, it wouldn't have been late.
This is the first time they have contacted me since payment and they now want roughly $1000 to settle the account AGAIN.
My question: Since the SOL was probably renewed with that payment and I assume they have bought the debt, do I dispute the charges or how would I go forward.
Someone please answer, I know it was a long read.