<prompt> Human: I received a letter that I had been overpaid by DFAS and I now owe 1000 and change after interest and late fees.I have no idea what payment they are referring to. My credit report shows a debt in collections with the original account value being 872. This entry has tanked my credit score by 100 points. I went through all my bank statements and the only deposit close to that amount was during my last month in active duty during which i received two deposits close to that amount. One of them was my travel pay during my ETS.I have not been able to call to get more information yet but i dont even know what information to get or how to go about disputing this.My biggest concern is my credit score as it is now dropped for 760 to 660 ish. Of course, paying 1000 unexpectedly will put me in a really bad spot financially as well.What are my options here and how do i even move forward?EDIT: wanted to say im overwhelmed by the general helpfulness of the responses. I am reading every single one of them. Some more, possibly relevant information: I have had the same bank since 2011 i have verified with my bank the last deposit from DFAS was in March of 2014. the account that is showing on my credit report was opened in september 2017 and closed 1 month later it says it was sent to collections, but the letter demanding repayment that i received was from the Dept of US Treasury BFS i am nearly 100 certain this is not a scam I never received any notice of this debt prior to the letter that was post marked Jan 31st, 2018additional info for frequently asked:it still shows DFAS as the creditor on CreditKarma. The letter came from the Dept of Treasury. The letter says i owe a little over 1000 but the accounts on my credit report show that it was placed for collections with a total of 872.the letter states that if i dont pay it, it will be sent to a collections agency and reported to credit bureaus but clearly that has already happened. It doesnt appear to be any private collections company involved so i have no idea where the money above the original 872 even came from. Assistant: My recommendation is to try and have them remove it from your credit report. I went though something like this before, and they did it for me. They also put me on a payment plan, around 50 a month. Good luck!Human: how did you even contact anyone at DFAS? every time i call it just says they are busy or not during their working hours and disconnects the call.Also im not convinced the debt is accurate so im not wanting a payment plan at the moment  <response>: Id recommend calling your Senator and Congressperson. They may be able to light a fire under someones ass to correct this. 