Stick Bills™

I am receiving calls regarding an Express card I opened in 1999 and was in collections at one point; however I settled the debt with Express in 2003. I haven’t heard anything regarding this account in over 6 years since I paid it. Now NACF is calling me several times a day demanding money and yelling at me. This morning the man who called, Scott, literally started yelling at me calling me a “drain on the country, a deadbeat, and telling me there is “no excuse for me.” I advised him that I had paid the debt but do not have a record of it since I only keep my canceled checks for 6 years. He went on to tell me that it wasn’t his problem and since I couldn’t prove that I paid it I still owe it.

I asked him how I could verify that the debt was valid and he said to check my credit report which I did and nothing was there. I kept a lot of my old credit reports from the time period when I paid the debt off because I was working on improving my credit. The last credit report this appears on is from October 2003. I have a credit report from May 2004 where it no longer appears. It still doesn’t appear on credit reports from any of the three bureaus.

I brought this to his attention and he told me that the fact that it isn’t on my credit report means nothing and told me that if I didn’t trust that I owed the money and pay him that I would be in “big trouble.” I told him I felt like this was some kind of scam and that I didn’t feel comfortable paying him money that I don’t believe I owe and that there is no evidence that I owe. He told me that I’m a real piece of work and a piece of trash. I asked him to stop calling me and he replied no and continued to yell at me.

In: Credit Cards,Unsolicited Phone Calls Posted By: MrsBowman [ ]