My boyfriend received a settlement letter from this company stating he owed Macy's almost three hundred dollars but we could settle for 3 payments totaling $126.66. We knew he had an old account with Macy's that he did in fact owe on so we paid the three payments and went on with our business. Now I see all kinds of things about this company being fraudulent?! Now I don't know what to do! They are accredited by the BBB. I called and got transferred to someone else and then that person wanted an account number or a social security number. I told him I didn't have the account number in front of me and I wasn't giving them a social because they were a scam! So he said he was going to transfer me to a supervisor and I was on hold for a few minutes waiting so I hung up. I plan on calling back with the account number. I've already called my bank and started the process of filing a fraud claim against this company but I'm trying to do more research before I go through with it. There are almost 300 complaints against this company on the BBB website!