I have been having problems with Exxon/Mobil G. E. Money bank and Allied Collection Agency. It has been nothing short of a nightmare. I fell behind on some of my credit card bills due to family illness. On August 30th I received a call from Allied Collection agency. They informed me that I could accept a settlement to pay off and close the account. I wanted this account closed and wanted to get this bill paid off. So I accepted the offer to make two payments of $174. 00. The person at Allied said I could pay by check or debit card. I said that would be fine either way because my debit card comes from my checking account.

I gave them my debit card number and they asked me when I get paid so they could take out the money. I told them I get paid on the 6th of September and two weeks from then around the 14th they could take out the second payment of $174. 00.

Never during this conversation did they tell me that I had to mail in the second payment, nor did they give me an address. They just said that the payments would be taken out on those said dates. About a month went by and I did not hear from Exxon nor from Allied. Finally over a month later Exxon sent me a bill for 400 and some odd dollars. I called the 1-800 number on my Exxon statement and asked them why the account had not been paid off and closed. They informed me that it would take awhile to close the account but that everything was fine. Another month went by before I started to receive calls from Allied demanding payment and that I owed Exxon almost 500 dollars. I explained the payment deal that I made. I had to go back and review my checking information to see that they did NOT take out the second 174 dollar payment.

I informed Allied and Exxon of the situation. Allied told me that it was my fault for not mailing in the final payment and I broke the settlement contract. I informed them that they did not take out the second payment. Allied continued to argue with me stating that it was my fault for not mailing in the second payment. I again informed them that I was NEVER told to mail the second payment in. They continued to tell me they did tell me. I argued with them that if they did tell me to mail the payment in why don't I have an address or any account information to mail such a payment?

To make a very long story short Allied has been calling me 10 to 25 times a day up to 10 hours a day trying to collect this debt. I have spoken with at least 5 supervisors whom all tell me to contact Exxon to try and fix this debt. When I contact Exxon , Exxon tells me to contact Allied. I have written 3 letters to the G. E. Money bank which handles Exxon's accounts and no one has returned my calls or letters. Each time I call Exxon they direct me to different 1-800 numbers one of which was a ski resort!! Allied has not stopped stalking me. Today they called 32 times. I spoke with one woman at Allied today and explained the entire situation to her again. She claims she spoke to her supervisor and said there is nothing I could do about it because I waited too long to resolve it. I informed her I have been in constant contact with Exxon and Allied since September and no one has responded or tried to resolve my problem. I informed her that I am more than willing to pay the 174 dollars that I agreed to, so the account can close but she refused to listen and began to yell at me to pay my bill. The woman did NOT speak very clear English and each time I have spoken with anyone at Exxon or Allied they all have very heavy accents from India. She refused to put her supervisor on and yelled at me to pay my bill. I finally told her I would be speaking to Exxon again which did no good.

Allied called every 10 to 15 minutes until 10 pm tonight. I work graveyard and am elderly. I can not unplug my phone because of a very elderly parent whom is dying. I must have my phone on. This situation as made me sick and has caused health problems. If anyone can help me please let me know. I am on a fixed income and just want to pay the 174 dollars, close the account and have this situation resolved so Allied stops STALKING me.