Last January, we received a call from Phillips & Cohen CA regarding a WA MU Visa of my husband's. We set up a settlement plan and they were to take out three payments of $336 for the next three 3 mos. They took out the first payment, but not the second. When I called, I was told that I was supposed to have called in. I asked why then, did they take out the first payment via ACH through my banK? No response. Just told me settlement void now. Finally talked to manager. SHE said that WA Mutual screwed up a bunch of the 'settlements' and she'd have to talk to a woman named 'Kristen' at WA Mu and she would get back to me. No one ever did. I called for almost a year and no one would return my calls. No one answered our certfied letters, etiher. Then,this past June we got a call from MRS Asso. I sent a validation letter this time. No response. Last week, we got a call from Resergent. Advised them we would send validation letter. Three days late, we received a letter from stating it was a Validation of Debt, but all it says it that the account was acqired from WA MU and that weowe $2151. That is not a validationm, is it?