In XXXX I opened a Kay Jewelers Account to finance wedding rings. I fell behind in payments and made arrangements through Kay to auto-deduct {$35.00} every two weeks from my bank account. The deductions continued for a little over a year and stopped ; not by any act of my own so I assumed the debt was paid. I was contacted approximately 6 months after the last deduction by Kay who stated I owed approximately {$600.00}. I told them I disputed the debt and continued to receive notices and phone calls for another month ; all of this occurred from XXXX to XXXX or XXXX. I then received a phone call in XXXX of XXXX from an associate from XXXX XXXX XXXX who stated they were collecting the debt on behalf of Kay and said I owed {$1300.00} and then went on to say that if my employer ( Sheriff 's Office ) had to collect the debt it would be embarrassing. I spoke with the associate at length describing what had occurred and she did confirm that the account showed that the auto withdrawals had ceased for an unknown reason. She stated that her firm would settle the debt for {$600.00} so even though I disputed the debt I wanted to clear it up so I agreed and paid the aforementioned amount with the last payment occurring on XXXX XXXX, XXXX. ( I have XXXX emails confirming this as well as confirming that the debt would be deleted from my credit file ). On XXXX XXXX, XXXX, I received a phone call from an associate from XXXX XXXX XXXX who stated they were collecting a debt on behalf of Kay Jewelers for over {$1000.00}. I tried to be as courteous as I could but did tell them that the debt had been paid through XXXX XXXX XXXX. They requested for me to send them proof but I declined and told them I was not paying anymore money and hung up. Approximately an hour after the first phone call XXXX XXXX XXXX called me again trying to collect the debt at which point I explained to them again, less courteous this time, that I would not pay anymore money.