I placed a call to first federal credit control on XXXX to inquire about a settlement and spoke to a representative by the name of XXXX at EXT XXXX. XXXX explained to me she would send me out a bill that I requested and she asked me how much I can pay to satisfy the debt and I gave her an amount she said it would take 24 hours before she can give an answer. XXXX failed to notify me that she was a debt collector attempting to collect a debt. About an hour later I received a call from XXXX and the agent explained I would n't be able to settle the debt I have to pay the full balance and she asked me when I planned to pay but she never disclosed she was a debt collector attempting to collect a debt.