ALL of my and my husband's payts., to all agencies, are done automatically by are bank. We checked both of our credit reports and there is no evidence of us owing any back payts. to anyone. Mater of fact, because of our automatic payts. to each debt account, we do NOT have any late payts. on our records. That said, we are uncertain as to why my husband and I, continuously, receive harrasing letters and calls (on a daily basis) about charges that are not based on any purchases for merchandise or services that we have made. read full review »