However, later on I learned about credit report monitoring services and signed up for the one from USAA. I was shocked to see that Santander was still listed as being in collections and the amount was unchanged. Since I track every cent I spend, I knew that they had cashed the checks I sent as payment. I called them, the person who answered at first told me that I was in collections, and I argued that we had an agreement which I had fulfilled. They promised to pull me out of collections and send me documentation showing that I had paid in full. Satisfied, I ended the call. This was about 6 weeks ago. 2 weeks ago my Google voice number(I'm overseas, and use that when I have to enter a US phone number for online stores/etc ) started receiving phone calls from a collection agency, the same one that Santander had promised to pull my account away from. This week I recieved a collection letter from NBC Management Services, Inc , for an inflated amount of the balance I had with Santander. Not knowing what to do, I sent them a DV letter to shut them up for a bit. And I'm negotiating with my manager to let me come into work late so that I can call NBC while they are open.Due to time differences most places in the US are closed by the time I wake up, so calling them is nigh impossible without quitting my job since I have to be there very early, Did I do the right thing? I feel I may have already lost this battle since I sent them money without getting anything in writing from them. I was so foolish/trusting a year ago! If you have any suggestions as to best handle this situation, I appreciate at it. Other than putting them through the DV process and demanding everything in writing before sending any money, I'm at a loss as to what to do. Thank you for reading this!!!