I recently paid off a loan with capital one credit in June on 2009. I called them for the payoff and sent the exact amount. One month later resurgent sends me a letter telling me I owe them money. well, I told them I paid off the loan and I had paperwork stating it was closed and paid in full. They disagreed with me. I called Capital One back. They told me my loan was paid in full and it was closed. Resurgent now bills me for 2 different amounts...weird. Although it is not a huge amount of money the fact remains, I do not owe them anything. They say I paid off the loan between cycles (?) and I owe them another full payment plus interest. They have been very rude. I have been very calm with them, but standing firm. I am tired of the letters and phone calls. Does anyone have a solution to this harrassment?