They have sent me a collection notice in the mail stating that I owe $27.47 on an XM Satellite Radio account. I called them to verify and all they would say on the phone was " would you like to use your credit card now please". So I called XM and they told me I had a $0 balance. This collection notice was odd since I have been paying in advance 3 months at a time. Now i have to find out how they are going to ruin my credit score... this is CRAP.