Thank you for that explanation.
Even if you spoke over the phone, it sounds like you may have entered into a contract with the company anyhow - and this is common. Now, you cancelled the contract without the right to do so (there is no 3 day window and AT&T does not give one), so they are billing you for the breach, I am guessing. The rep probably stated that they will take care of it as a one-time courtesy and meant it, but the file had already passed to a collection agency which acts as a third party.
So you are dealing with two entities - the collection agency and AT&T. Let us begin with the collection agency first. This may be best handled by sending a certified letter. An example is below.
To Whom It May Concern:
re: (name, account #, etc)
I have been receiving debt collection attempts from your company for the debt allegedly owed by me from (describe nature of debt). I dispute the nature of this debt and it is my understanding that the credit has agreed to void it, anyhow.
Demand is hereby made that you cease and desist - now.
If you continue on, then I will have no choice but to seek redress under the Fair Debt Collection Practices Act for the following violations:
15 U.S.C. § 1692f(1) (seeking unjustified amount)
15 U.S.C. § 1692e (threatening legal action without cause)
15 U.S.C. § 1692e(8) (threatening or publishing false debt on my credit history)
Every violation is $1,000 per incident, plus legal fees.
I now consider this matter concluded. Should you contact me again, I will seek counsel to file an FDCPA claim in federal court.
Now, FDCPA is created to have collection agencies not harass individuals. See HERE. What they have done here is not a violation of FDCPA per se, however, considering that the debtor will seem aggressive and may actually cause legal trouble, they are much more likely to simply bin the file and forget the matter.
As for AT&T, one may wish to call separately and confirm that the debt is indeed voided.
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