Product: Debt collection

In XX/XX/XXXX I was made aware that XXXX/XXXX had not canceled and opened new accounts in my name for home phone and internet. They continued to auto-charge/withdraw for these accounts and use a credit I had built on the account. 
XX/XX/XXXX - I requested the closure of all accounts with XXXX/XXXX. One account they claimed was under contract and offered to keep the account suspended/on hold for a couple of months and then cancel it to avoid fees. I started a XXXX account for Internet XX/XX/XXXX after canceling. 
Charges and Fraudulent fees automatically taken XXXX XXXX {$72.00} XXXX XXXX Deducted from Credit {$250.00} credit on the account XXXX XXXX Nothing appears, and the account was reopened without my knowledge or consent ( Deducted from credit ) XXXX XXXX Deducted from Credit and charged {$10.00} XXXX XXXX charged {$84.00} XXXX XXXX charge {$84.00} XXXX XXXX charged {$84.00} and charged {$84.00} again XX/XX/XXXX/XX/XX/XXXXI discover the fraudulent account and erroneous charges and stop the auto payment XXXX XXXX Account billed, not charged XXXX XXXX Account billed, not charged I am owed, according to their representatives {$670.00}. Their representative about the 2nd week of XX/XX/XXXX also informed me there was a record of me calling and canceling. 
I filed a complaint ( XXXX ) XXXX XXXX and I called XXXX XXXX XXXX XXXX but was transferred from multiple reps and companies due to the dual consolidated bill between XXXX  and XXXX XXXX. 

On XX/XX/XXXX I called XXXX XXXX XXXX and the accounts were still open ( XXXX XXXX ). They said I had the equipment, but I was never sent or possessed their equipment following closure and return XXXX XXXX. The complaint I was told was escalated. They also charged an {$80.00} cancellation charge that they said they would waive. 

On XXXX XX/XX/XXXX ( XXXX ) I was told after multiple phone calls that - XXXX XXXX will review on XX/XX/XXXX XXXX XXXX gave me the number XXXX XXXX XXXX to call at XXXX XXXX At XXXX XXXX, XXXX XXXX XXXX, I called XXXX XXXX and was told I must contact internal collections XXXX XXXX XXXX according to XXXX in XXXX, MO I called and was informed there was a collections out for a XXXX account ( never had a XXXX account ) and the number I called only takes payment and internal accounts receivable Then I was sent to Billing Then I was transferred to fraud at XXXX XXXX who said that they denied my fraud claim and closed it out XXXX XXXX. 

I was transferred to supervisor and said I could write a letter to Corporate, use XXXX account number with signature confirmation and it would take 8 weeks to review, which I did. This was a very rude individual, short in tone and words with no apparent interest in assisting. 
Attn Collections Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX I called again and was Transferred to XXXX Bundled Invoicing, who sent me to collections, where I asked for a manager in that department only. 

The phone call was disconnected by them. I called back XXXX and asked for a manager after being on the phone for 2.5 hours. 

At this point I find out that a charge for {$49.00} was escalated and again I was sent to Combined Billing with XXXX XXXX in XXXX, Combined Billing with XXXX indicated that there was a charge fro {$240.00} and a credit of {$100.00} I was previously unaware of. He also informed me that XXXX XX/XX/XXXX my account was reactivated with partial month charges ( see account at the beginning above ) I was sent to XXXX XXXX XXXXctions which sent me to the loyalty department ( XXXX ) XXXX XXXX which I had to hang up and call instead of being transferred. 

XXXX in the XXXX XXXX/XXXX Loyalty Department informed me that there was {$620.00} ( 6 months of {$84.00} charges and a {$110.00} original charge between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that were owed to me ) This was escalated with 7-10 business days to review. 

Phone number XXXX XXXX XXXX XXXX XXXX for the customer loyalty group, attempted to follow up XXXX XX/XX/XXXX I called XXXX, was sent to XXXX XXXX XXXX Combined billing for consumers XXXX ( XXXX  ) who sent me to billing to follow up on the escalation. I was told that all escalations and complaints were denied and to call and follow up Agency Account Finance Department with XXXX XXXX XXXX account number, I called XXXX XXXX and flagged the dispute. ( Collections company ) I was directed to call XXXX  again, try to find the XXXX XXXX tracking receipt and informed me that any amount under {$50.00} can not be sent to collections XXXX XX/XX/XXXX I disputed again with XXXX XXXX contacting XXXX - and referenced account XXXX with the amount {$49.00} I gave up as suggested by the employees with the accounts being old without recovering my money or resolving due to the extreme amount of time, stress, emotion. ( ~24 different representatives and stories, 50+ hours on the phone not accounting for time and money spent on protesting, letter, research, damage to my credit, and hundreds of harassing phone calls I get still, including ones in foreign languages ). There are multiple calls and notes I did not detail explicitly in my notes due to not knowing I needed to document and having initial faith that the company would resolve my concerns. 

XXXX XX/XX/XXXX I find a new collection posted on my credit, damaging my credit over 150 points while attempting to buy a house from Diversified Consultants/ XXXX. I had received a couple of days prior a harassing call from a lady saying she was with Diversified Consultants and when I attempted ( without saying who I was or answering if I was XXXX or not ) to find out her name and what company and what they do, she hung up on me. 

Since XX/XX/XXXX I have relocated to XXXX in XXXX XXXX, relocated to XXXX Indiana XXXX XXXX, rented out my address in XXXX Illinois to a tenant* see the following explanation, and terminated the rental contract due to them breaking the rules of the contract in XXXX Spring. 

Address on accounts with XXXX/XXXX I vacated XXXX XXXX and canceled all accounts I believed to be associated with the address minus basic utilities, power, water, sewer until a tenant was secured. I have not lived in that address since and it is currently vacant as we are seeking a tenant. A property manager has and is handling all concerns associated with the address since XXXX XXXX. 

This tenant appeared to have opened accounts in my name for utilities and internet at my investment property. I resolved most of the issues with the exception of XXXX/XXXX in XXXX and early XXXX. 

I have a rental agreement I signed in XXXX with an apartment, additional utilities obtained there and taxes showing me to be in XXXX. I forwarded my mail and submitted a change of address multiple times to the USPS. I  relocated again XXXX XXXX to a temporary address in XXXX and forwarded again with USPS. I currently am in temporary housing in Indiana and XXXX with a new employer until permanent housing is obtained, a process hindered by this situation. 

I continue to get higher interest charges from other companies and harassment. At this point, the effect of the fraudulent and erroneous charges will start to build significantly monetarily compared to previously affecting mostly time and stress.