I had an applied bank credit card which was closed because I did not have a home phone which they said was necessary to keep the account. I had a home phone when I opened the account but closed the home phone because I did not used it. I offered my cell phone number but that was not good enough. Well when they clsoed teh account they wanted the balance in full, which i did not have at the time.
The account became deinquent and was sent to Powell Rogers and Speaks for collectiions.
Powel Rogers and Speaks is one of those obnoxious collection agencies that used a recorder to call and leave messages that list no phone number or an incomplete number and no name of the company or caller.
Well, I call Allied bank and got the phone number of Powel Rogers and Speaks. I call them and the man who answered was very rude. I told him I could not pay the amount he offered as a settlement at that time but I would call back when i got paid to pay it. He told me I “never intended to pay the debt and I woul dnot get anyway with it” I pointed out to him that I was the one who called and not he other way around. If I never intended to pay, I would not have called. Anyway I hung up on him. ther is no point in being abused when i am trying to pay a debt.
Well two weeks later i got paid and I call to settle the debt. I spoke to a woman sho gave her name as susan Shapiro 1-866 205-4891 ext 1342. I told her I was calling to settle the debt, which the obnoxious one two weeks prior offered a settlement just under $400.00. I told her I had the $400 Iand I would like to settle the account at that time. She said that offer was no longer valid so I told her thanks, well I guess I will go and pay another creditor and she told me told hold she would go to find out if they would still accept $400.00. She came back and said yes they would. I said ok. well when I started to pay she told me it would cost me $10.00 to pay by check so I said fine I will mail a check in she said they did not accept mailin payments for settlement offers I had to pay at that moment.
I gave a check payment over the phone for $400.00 plus $10.00 for some crazy fee which I knew my bank does not charge. She told me if I agreed to pay the entire balance my credit score would increase by about 50 points. I told her that is fine. I would paid the agreed on amount $400.00. I asked her if it would be reported as :paid as agreed” and she said yes.
Well, i is now two weeks since I paid the settlement amount of $400.00 and today I got a notification from citi alerts of activity on my credit report. Powell Rogers and Speaks has reported $259 as sold to Cross County Bank. when I call teh number listed it said Allied bank card
the original credit card company.
Basically, I want anyone in my situation do not trust anyone at POWELL ROGERS AND SPEAKS
