I have a collection account with Portfolio Recovery Associate 's for a credit card I had with XXXX XXXX. I had got a call from the collection company on XXXX XXXX about my account. we had talked for a few minutes and they tried to lower the total cost for me if I would set up a " good faith payment '' is what they called it. they told me they could lower the debt to {$620.00} and I let them know I could do {$100.00} next Friday which would be on XXXX/XXXX/15. They agreed to that. well I checked my mail on XXXX/XXXX/15 to find a letter from them stating per our conversation over the phone on XXXX/XXXX/15 they would automatically withdraw {$690.00}. I was very shocked to find this because I had never agreed to such a thing. I automatically called them to let them know this was not what had been arranged. I had to be transferred from person to person about 7 times, one man told me he would listen to the call and then give me a call back which he did and still insisted I had agreed to this. I requested to speak with the person above him. I was then placed on the phone with the assistant vice president who said she would listen to the call recording and call me back, I got a call hours later stating that they would be returning the money if it did go through. It has gone through my bank and I have already filed with the claims department that this was not authorized and should be resolved but could take days and I have other bills to pay and groceries I need to get. I feel that Portfolio Recovery Associates thought that by sticking to saying I agreed to this amount and transferring me so many times that I would eventually give in and let them keep the money and I would just end up paying all the overdraft fees and overdrawn money back to my bank but they do n't care because they have their money now. the way they handled everything was very unprofessional and I am so unhappy with them. I really was hoping to start making monthly payments to finally pay off this debt, now I have lost trust and faith in them.