I called XXXX when I first got this bill. I was charged an amount for collect calls that was different than advertised. On the phone my son called me collect from was a sticker that said {$1.00} for XXXX or XXXX mins? but ended up being {$23.00} per XXXX minutes. I would have never accepted a collect call at {$23.00} for XXXX mins. So XXXX said we would dispute it, immediately closed that account and opened me a new XXXX. Giving me my same # XXXX XXXX told me I would only be responsible for what I owed them ( XXXX ) for my regular phone service. Then I get contacted by collections for the whole amount. I tell them the agreement and a lady at Receivables Performance agrees to the terms also. Later I apply for a loan for a car and find that on the day of XXXX XXXX 2015 when I made an agreement with RP to pay what I owed XXXX XXXX XXXX ( minus the collect call charges ) @ {$25.00} a month they then put it on my credit report. I recall being told that by paying $ XXXX/mo. would not only get my bill paid, but would keep it from going on my credit report.