They also send their previous customer's accounts in debt collection even if they have paid in full when closing the account. Happened with me. Got a debt collector's letter a few years later. I had the proof of payment but still ended up paying again to prevent damage to my credit. Later on found on reddit that they have done this with many people, some of whom didn't have means to pay again, so ended up taking a credit hit.
Given the history of data breaches, my first thought is that this could have been a scam. For anyone else in this position (esp. if you’re fairly certain it’s not a scam), here is some info on what you can do: https://consumer.ftc.gov/articles/fake-abusive-debt-collecto...
Edit: namely, this part:
> your debt collection rights, including your right to get information about the original creditor if you ask for it within 30 days of getting validation information from the collector
I have a genuine question in that case. I am no longer a customer so will I be able to take them to small claim court and provide a proof of payment and collect my money again?
Or will the mandatory arbitration will still hold?
