Complaint Review: Arrow Financial Services

I received a bill from Arrow Financial Services involving a past due balance from Charter One Bank. I have previously paid this bill off in full, and infact, received a small check back from the bank because there was a small overpayment. My ID # from Arrow is ####170 and the account number listed on the harrassing letter is #####414

They are supposedly willing to pay a "settlement" of $750.61 instead of the $1000.81 that they claim I owe. There are two options for payment:
1. Payment in full
2. Weekly, bi weekly or monthly payments

It is signed James Howard, Account representative.

There is another number on this statement, below an address that is:
PO Box 1206
Oaks, PA 19456-1206 and the number is:
2644#25166170#2106#092704

There is also, on the reverse side of the letter, a New York City Department of Consumer Affairs license #0978241

I am NOT paying this firm anything. I have since settled my debt with this bank almost one year ago. I received a statement that said that the balance was $0000.00, and as I said before, there was even a check for some money that was overpaid, that amounted to under $10.00.

I need your help in this matter. I am not independently wealthy, and to pay money for something that I have already paid for, is ludicrous and ridiculous. I will wait to hear from you. Antyhing you can do, would be greatly appreciated.

Diane
Buffalo, New York
U.S.A.