Woman says she paid off a debt twice and is being harrassed to pay it again

Posted: Updated:
By Andrew Michalscheck By Andrew Michalscheck

PHOENIX -- A Valley woman said she paid off a debt not once but twice and now she's supposed to pay it a third time.

This all started with a payday loan.

Payday loans were outlawed in Arizona three years ago. Although they were forced out of the state, one woman is still having a problem with her old loan.

Robin Eyman said she tries to stay on top of her bills, but back in 2008 things got really tight financially.

"My son and his girlfriend and the baby moved in with me," she said. "Neither one had a job."

Things got so tough, Eyman said she was forced to take out a $500 loan from Check 'n Go,  which was still around before payday loans were outlawed in Arizona in 2010.

Eyman acknowledges the loan helped when she was in a pinch, but she defaulted on the loan.

"But by then, other extenuating circumstances had came into my life and I just didn't have it," she said.

Eyman said the bad loan caught up to her a year later when a collection agency came calling. With interest and penalties, her $500 shot up to $863.

Eyman paid off the debt and considered the matter closed. That is, until she received more collection calls, this time demanding more than $1,100 to finish paying off that $500.

"He proceeds to tell me that he's going after me for fraud," Eyman said.

Eyman said she was scared and actually paid the collection company a again. This time, she got a pay-off letter confirming the debt was paid. However, Eyman said the calls are coming again.

"He says, 'Are you going to pay this?' I say, 'No, I paid it twice already!" Eyman said.

Frustrated and not knowing where to turn, she contacted 3 On Your Side.

"Now this other company says I owe $1,900, well, I paid almost $2,000," Eyman said. "That's more than enough to pay a $500 bill."

3 On Your Side contacted Check 'n Go, which looked into the matter.

A company representative tells us they apparently sold Eyman's account to another collection agency and that agency may have sold it to another debt collector, which may be why the issue snowballed.

We also contacted the collection company pursuing Eyman and after we provided them with that pay-off letter, they said they would stop pursuing the matter.

Eyman said she's glad the nightmare has finally ended.