Need some advice with a so called "collection" agency
Here's the story... back when I bought my laptop from Best Buy, I'd say in mid 2007, I was asked if I wanted to sign up for a free 60 day AOL trial, which I immediately declined. I proceeded to pay for the laptop with my debit card and went on my merry way. Three months or so later, I noticed on my bank statements that I've had $30 taken out of my account by "TWX AOL"... so I'm scratching my head saying WTF is this **** for. I immediately get AOL's customer service number and call and give them a runaround saying that I never ever used AOL and asked why am I being charged. They say I have never made an account and they will look into it. So, the next month I look at my statements and see that another $30 was taken out of my account on the first of the month. Now Im furious. So I called AOL, demanding an explaination, and never really got one. So as soon as I got off the phone with them, I call my bank, which is Wachovia, and give THEM the runaround and requested a change in account numbers, because I never acknowledged or gave anybody authorization to withdraw money out of my personal checking account. I get my account number changed and havent heard anything since, until these last 2 weeks.....
I get a call two weeks ago at 8:30pm that shows up on my caller ID as "Telemarketing", and I answer it with the intent of hanging up as soon as someone said Hello (it's what I do). Barely understanding this caller (because the guy was of Hindu decent), which claimed to be a collection agency, looking to collect $103 for AOL.... now I'm REALLY furious. So out of curiousity, I start taking names and phone numbers from these people. He asked that I give him my information over the phone to pay the $103. I refused, and asked him to give me a website, or a method of payment by mail, just so I can have it in writing on what this is about... he refused, saying that they had no website and that they will not send a method of payment by mail. Now, me being cautious, Im not gonna give my account information to someone that shows up as Telemarketting on my Caller ID and I ask to speak to his manager, who then threatened me saying that he will report me (as far as I understand because he was of Hindu decent as well). I laughed and hung up...
Just 20 minutes ago, I get another call from the same ****ing idiot who called me two weeks ago, asking for a payment of $103. I told him "I will NOT pay you over the phone, especially to some guy who shows up as telemarking on my Caller ID. I told you that before, and if you will not send me a notice through the mail, you will hear from my lawyer." and hung up.
I did some research on google and found that MANY people have had the same problem as me, where they purchase a PC or Laptop from Circuit City or Best Buy with their credit/debit card WITHOUT signing up to AOL. I feel as though I've been screwed by Best Buy and that I should not have to pay for something that I never even purchased. The $103 comes from 4 months of denied payment (when I switched bank account numbers). Ive tried twice to cancel an account that never even existed. How should I handle this situation accordingly?
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