Unfortunately I and my husband were out of work at the same time beginning in XXXX XXXX. ( He still is ). To our regret we fell behind with our creditors. We did the best we could to keep up, while receiving unemployment but it was n't enough to handle the expenses. I finally began a new job in XXXX XXXX. However, we were very far behind on paying our bills. By XX/XX/XXXX we caught up somewhat and began arranging settlement payments, where possible. 
On such settlement was with Admin Recovery LLC where we owed a statement amount ( rep. from the company ) of {$640.00}. He said he could settle with us for {$480.00}. If we could pay that day. I explained our financial situation and asked if we could make two payments against the {$480.00} amount. He stated he understood our predicament and said if I could agree to provide post dated payments, one XX/XX/XXXX for {$350.00}, with the balance by XX/XX/XXXX ( {$130.00} ). I agreed. The payment was taken on time in XX/XX/XXXX. On XX/XX/XXXX, I noticed that the money was not with drawn from my account and there was nothing pending to be withdrawn. Monday morning, XXXX XXXX, I phoned the rep and asked if the company took the payment. He mentioned that he did not see it processing in our system, so I needed to make a payment through his payables department so I could provide the with the payment information. He transferred and I provided my routing and account numbers so the {$130.00} could be withdrawn from my account. Later that morning, I checked my account online and notice that there was a payment pending for {$290.00} ( the non-settlement ) amount. When I called and asked the rep about the payment, he informed me that he checked on the account and discovered that the original settlement amount of {$350.00} was indeed withdrawn in XX/XX/XXXX and the {$290.00}, he stated, that was owed in XX/XX/XXXX, was processing on his system, unbeknownst to him. So he quickly cancelled the {$130.00} amount the I received a confirmation for ( XXXX ) since the {$290.00} was being processed. After addressing the disparity in his comments and what was actually owed. I mentioned I 'd rather stop the payment and mail a paper check for {$130.00}, after which comment, he transferred me to his director. His director very rudely disputed with me when I let him know what the rep had quoted as a settlement amount, the director yelled at me and stated he would call me back and playback my agreement. Long story short, I stopped payment on the {$290.00} and am mailing a check for {$130.00} amount. I 'm not sure if it will be accepted but, I did not come up with the original amount owed ( {$640.00} ) that 's the amount the rep said I owed. Nor did I come up with the settlement amount of {$480.00}. How could a consumer come up with random numbers like that and have a collection agency accept them. Particularly since neither of those amounts were the current balance stated on the notice I had at the time I made the call. I 'm writing you because I 'm not sure what the recourse will be once the collection agency realized I cancelled the payment. It has always been my intent to pay what is owed, otherwise I would not have initiated the call.. But I believe the collection agency wrongly debited my account. So this letter comes with the intent to make your regulating agency aware of the incident. Thank you in advance.