Two years ago I closed my account and thought I had paid my due when the woman there told me I was cleared after making my last payment. Now I have a collection agency (Hilco Receivables LLC) woman threatening me for collection if I don't pay her something day. Why wait 2 years of late fees and penalties this really seems like a scam and I wonder if Chase even knows these idiots are trying to collect now? Chase needs to really check who they hire when these idiots are breaking the fair debt laws by threatening their clients.