Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date : XXXX XX/XX/2020 Points of Contact : XXXX XXXX XXXX and CEO XXXX XXXX XXXX XXXX XXXX Subject : On going dispute Secured Card XXXX To Whom It May Concern : My name is XXXX XXXX, I previously held a secured credit card account with your organization. I lost this card almost 2 years ago and continued to remit payments ever since despite an active dispute on file that went unresolved. 

In early XXXX of 2020 I received a collection call from your organization seeking payment on a very minute balance. I advised the representative that I had an active dispute on file in which prior reps asserted you were not seeking to collect the disputed amount though interest would continue to accrue if applicable. 

At this point the call was routed for a supervisor which I also advised of the circumstance. I also repeatedly advised I was under every impression this was resolved upon lash correspondence and with the uncertainty of covid at the time this was not a priority but I did want to ensure it was handled. I asked what options were available while it continued to be worked out. The rep advised a workaround for covid was not necessary as the information provided to me previously was accurate and you can not pursue collection on a disputed amount. 

I advised if that were true we would not be speaking at this moment. He agreed and obliged me by placing a two month extension on file in which the minimum payments due for the months of XX/XX/2020 and XX/XX/2020 were reset to {$0.00} due. I also paid this account off in XX/XX/2020. I asked if I would be refunded once dispute was resolved and was advised that it would. 

While I was already upset at the service it was a pandemic and I was understanding at the many moving parts with this. Where I took and continue to take absolute defense is that this was originally reporting 120+ days past due including months after paid in full. I was indirectly called a liar in your return correpondemces until I furnished both you and the FDIC with copies of Credit reports for proof. I was advised calls that clearly took place in future correspondences I then had to send in call logs to refute that. 

So not only did this absolute disconnect in service and communication result in significant financial setbacks leading to multiple closed accounts and decreased credit lines without so much as an apology or expedient correction you then doubled down and insulted my integrity as well. I was also sent multiple customers sensitive information which I still posess to illustrate that nothing about this has been handled correctly and mistakes happen even at the highest level. 

To date this shows 90 days past due I was a customer for 7 years. Not once was I ever 30 days late now when my account balance is {$200.00} with a minute balance of {$20.00} my account alledgedly went 30,60,90 not a chance. This is absolutely inaccurate and needs to be corrected ASAP. Your team has better things to do then tend to this and I have exhausted far too much time and resources towards rectifying this. I am exhausted and angry as it did not have to take this long or get to this point. 

If I can not get this resolved amicably and expediently I will have to explore legal alternatives and pursuing damages incurred. My sincere hope is that we are able to correct and move forward. I will remove all complaints and consider settled once finalized. 

Thank you for your time and attention. 







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