I was the victim of identy theft and a credit card was opened in my name in the ammount of $300.00 and almost $200.00 were fees to start the card. ie: Start up fee $75.00, initial set up fee $95.00, processing fee $75.00 this left a little over $100.00 of available credit on that card and it was used to play on-line games all without my knowledge, ..the card was issued by First Premier Bank and I called them to explain and refused to pay the $300.00. They sold that debt to a collection agency that jacked up the ammount owed to $545.00 and attempted to collect from me, ..naturally I laughed and refused to pay it, ..they then sold that debt to Arrow Financial who jacked up the ammount owed to $814.00 and began harassing me to pay. I refused to pay or settle...it's been almost 7 yrs now and I finally got my credit back to where I could buy a Home and we close in 4 days but guess what? Yup the lender funding my loan is requiring I pay Arrow Financial before I get my loan. I am soooo pissed I could spit, ..how can I trust them to issue me a letter that the debt has been satisfied?