So I was called by XXXX XXXX XXXX XXXX XXXX while I was at work and they would n't let me get off the phone I was told if I did n't talk to them then I would have to pay the full amount no settlement and it would n't be in good standings anymore. They offered me a settlement and said they needed a payment by the end of the month which was about 3 days away on Saturday. We negotiated a first payment and I asked if I could do {$50.00} I was told the minimum amount would have to be {$100.00} so I agreed reluctantly. I was told if I could n't pay it call a day ahead and cancel. I learned that I had to cancel so I called back a day before. This time I talked to someone new. This time I was told since I could n't do {$100.00} could I do {$50.00}? I was a little aggravated because I felt lied to but I let it go and agreed to be charged for {$50.00} to keep the settlement. The next day I was charged for {$100.00} anyway. I called and was very angry and I was told it must have been a glitch and they would put in a refund request that would take 3-4 business days but this is a big inconvenience because now I ca n't pay my car note on time. Later that same day they called me and said good news that the refund request went through they would cancel the {$100.00} and only charge me {$50.00} I said thank you and later on that night checked my account and I received no money back but was charged another {$50.00}. This is {$150.00} XXXX times the amount I told them to take.