Let me first say that I spoke with The collection agency, and I was very displeased with the outcome of what was discussed. 
It is truly very unethical to continue to pursue an amount after the information I have and I feel I should have not been Liable for the amount of {$120.00}. 
Collection Company : AmSher WebSite : https : //www.amsher.com Debt Collector : XXXX Outcome : Pay {$95.00} in 1 month No real details were ever provided to me about how the charges on my credit report ended up becoming a debt collection. ( Very unprofessional in my opinion ) I never received any formal notice about this debt from the bank. 
Without giving my personal information I will explain what I told the collection agency. I became aware of the negative mark against my credit report for the first time on XX/XX/2019 and I contacted the collection agency AmSher. 
This is my first mark on my credit report. I have a 0 Fico score. I was told that the debt originated from XXXX. I was told that my Ssn and my name where used to create an account on XXXX, I asked for details of this and was informed of an Address tied to the account, at first the address did not register to me during the first call so I stated it was not associated with me. Also I was told to go ahead and contact the financial institution where the claim originated to see if by chance the amount could be striken and cleared before the collection process began. She is a debt collector working for a collections agency, why would she suggest this false option knowing that once a bank closes an account it is then left up to her agency to obtain a resolution. Again I would like to point out that ( no details of any real information was provided except an address of an XXXX XXXX XXXX ) located in XXXX county GA, my Ssn and my name. The address was that of a XXXX  in which I was previously XXXX  at for a long period of time. I These are important details that I need for my records. This is a claim from 4 Years ago. There needs to be some sort of detailed information report provided to me so I can substantiate this claim for myself. My credit status is very important to me regarding this. 
I proceeded to call the bank. I was told that since the account was closed nothing could be done on their end but that the collection should be nulled by providing the circumstances I told the bank. I asked for information from the bank and nothing was provided. I call AmSher back and got back in touch with representative XXXX to continue the collection. I informed her that the reason I was unable to pay the balance was due to me being XXXX  for at least a period of 6 months with no form of assistance. The same year I suffered a very hard loss in my family. My mother XXXX   from XXXX one month prior to my XXXX. I informed XXXX that I had no means to pay. I was in XXXX, I was young and I did not understand the importance of a negative balance and how it could affect me in the future. These are details I shared with her because I felt that she wanted to help me by avoiding a payment. After I was finished talking She informed me the best she could do was to lower the {$120.00} down to {$95.00} but I was only going to be given one month to provide the money. I felt I could not argue any further and accepted the offer. She gave me her information, Told me that when I had the payment ready I could contact her to settle this. I was only being allowed one month. The conversation ended. 

My complaint : I was over charged for a good or service or I over drafted my account is what happened to my best knowledge. ( No information for me to confirm ) so I really don't know. 
I was in a XXXX XXXX and did not have assitance. I had no means of contacting my bank. No means to inform them of my situation. The very least I expected was to have most if not all of the amount due stricken because circumstance in this situation matters. If I was aware and able the amount would have never been able to reach that high. This is completely my fault I was the one who committed a crime and XXXX. For your company to seek payment for almost 4 years. This is a shame and in the worst way wrong. The reason I am taking this action is because I feel I have been taken advantage of and treated unfairly by the collection agency. If I had been informed of this and able to reach out to the bank, I would have told them the circumstances and I'm almost certain XXXX XXXX XXXX XXXX   would have not persued this. 
Thanks