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FYI, you can sue them for a FDCPA violation. Eddleman would be the Chicago attorney that would get you your $1000 minimum and then they will soak them for attorney's fees.  Easy money...

And if you have the payoff letter and file suit, all you have to do it attach that with their demand of a previously collected debt and you win.  I would suggest you contact them and let them know your intentions before filing and they will bow down and kiss your ass.  My cousin worked for a firm that handles your type of cases and I promise they will pay.  BBB is another source as they are required to respond.  But again, you have a pay off letter and a demand on that debt.  Easy win.  Perhaps post and look for others for a class action.  Their compliance attorney will respond with his tail between his legs.  Demand more than $1000 as Eddleman would cost 5K.

They are at it again, but did leave a message for a name I could not understand and said press 7 to speak to a person.  But since it was on my voicemail could not do that