Product: Debt collection

On XX/XX/XXXX I agreed to accept a XXXX XXXX security system, from sales representative XXXX XXXX. I have a hand written note card written by XXXX with items included in the purchase and payment amounts. I will be including a scanned copy of that item with this complaint. I do not have any copy of any document related to this transaction that bears my signature or initials. I've been making monthly payments for the XXXX monitoring service, but to the best of my recollection I've not been billed for the XXXX equipment that was installed in my home, which reinforced my understanding that XXXX XXXX had waived charges for the equipment at the time of our transaction. 
In XXXX or XXXX of this year XXXX XXXX ) I started receiving phone calls from a debt collector. The calls were coming to my land-line phone, which is our " junk '' line. I rarely answer any calls on that phone line unless the call is clearly identified as someone or organization with which we are familiar, otherwise we depend on the caller leaving a voicemail message. We know that anyone with whom we are familiar or any business with which we commonly do business call us on onXXXX of our cell phone numbers. 
On or about XX/XX/XXXX, I received a notice via postal mail from Mercantile Adjustment Bureau , LLC, on behalf of XXXX Bank, XXXX, regarding an alleged debt of {$2000.00} without any description of the subject or origin of the debt. At some point ( I don't recall the specific conversation ) I learned that the debt was for the equipment that XXXX had installed. It was my understanding during my sales discussion with XXXX XXXX that the costs for the equipment were being waived. This understanding has been reinforced by the fact that I have not received any billing statements for the equipment. In a recent discussion with XXXX XXXX he claimed that he did not waive the cost of the equipment, that he did not have the authority to do so. It is quite evident to me that XXXX and XXXX Bank are deliberately playing a " shell game '' in order to plausibly deny responsibility, with each of those two parties pointing the finger at each other to indicate who should be responsible for resolving this issue. In talking to XXXX headquarters in XXXX, they told me that the issue lies with XXXX Bank. When I called XXXX Bank XXXX XXXX XXXX XXXX all he would tell me was that the only resolution they would accept would be my payment of the full amount, even though I had never been billed by XXXX Bank for monthly payments. I think it is strange that XXXX Bank is involved as a creditor in this issue, since my only business transaction was with XXXX. On XXXX of this year I called XXXX to request a copy of my contract with them, which I received. I'm including a copy of that contract with this complaint. The contract does not have my signature or initials anywhere in the document. Although cost of the equipment XXXX {$2100.00} XXXX is identified, there is no mention of XXXX Bank, nor how that amount is to be billed or paid. I was never contacted by any agent or " assignee '' of XXXX about payment arrangements for the amount of the {$2100.00}. We continue receiving the annoying phone calls from Mercantile on our landline phone, at least once per week. 
The most important impact this situation has had on us is the damage done to our credit ratings. Because of this at least two other of our creditors have drastically cut our credit limit on our account with them. The longer this issue remains unresolved, the greater the impact will be on our credit. My wife and I do not have the funds to pay the alleged debt, which I believe is invalid since I was never been informed by either XXXX or XXXX Bank about who would be collecting payment of the alleged debt, nor about any billing/payment structure.