Legal Question in Credit and Debt Law in New York

Money collected wrongly by a collection agency

Sir or Ma'am,

I serve as a Captain in the United States Army. Upon returning from Iraq in December 2003, I was contacted by one Rachael Humphrey of PDI Management Services, Inc in Costa Mesa, CA. She said I owed $700 for a Providian National Bank credit card, a credit card I have never been issued. Shortly thereafter, this $700 was somehow withdrawn from my checking account. I called PDI then (as I have been trying to do since) and spoke to a Holly DeVilbiss and she said the matter would be taken care of and I would be reimbursed. PDI even went so far as to send me two letters, one stating that I owed $871.58 ($700 settlement) and another letter, after the wrongful deduction from my account, stating that I had indeed ''paid'' the $700 and the balance was now $0.00. I now cannot get in contact with anyone from PDI: they do not return my phone call messages, my letters, nothing. I have called the issuer of the credit card, Providian National Bank, and they have concurred that the credit card was a result of fraudulent activity and I never should have ''paid'', yet here I sit, out of $700. What rights do I have? Thank you very, very much for your time and patience concerning this matter

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