I paid of my JP Morgan Chase student loan more than XXXX years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from Chase about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, Chase apparently has sold my imaginary debt to XXXX, which now claims my debt is {$93.00} plus {$18.00} in unpaid interest. There is no way this is even possible. XXXX days ago, I submitted a written request for verification of the debt to XXXX, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from XXXX saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I 'm not going to start paying made-up debts that I do n't owe.