I received a letter in the mail from Arrow Financial stating "I owed a balance of $442.00 relating to my Bank Of America credit card." I made a settlement with a Bank Of America in 2008 for $750.00 on a balance of $1000.00 credit card. So, I knew this letter was very inaccurate. I checked my credit report and Arrow Financial was on my credit report. I called the number on the letter. I said " I'm sorry but there has to be a mistake, because I've paid this account off." She replied in a disrespectful tone, "We... read full review »