Product: Debt collection

Background : I incurred a debt that I feel was uncalled for but I do agree is legitimate : A negative balance due plus overdraft fees totalling {$67.00} due to XXXXXXXX XXXX. This amount was charged in response to my own negligent use of online payments on two separate occasions ( on XXXX ) that would have overdrawn my account. I was notified of the overdrafts and the associated fees, and in protest, I stopped direct deposits with this bank, removed this account from all my personal automatic bill payments/payment methods, switched banks ... and did not immediately pay the negative balance of {$67.00}. I was notified by mail of my account closure and collections on XXXX. ( See attachment [ XXXX ] ). An official statement from this bank for the month of XXXX is not currently available to me as I was enrolled in E-statements and I no longer have online access. 

However the bank itself is not the main focus of my complaint here. The collection agency contracted with Horizon, COMPLETE PAYMENT RECOVERY SERVICES, INC. ( CPRS hereafter ), contacted me by mail first in a notice of debt collection dated XXXX ( see attachment [ XXXX ] ). However this notice arrived in the mail on or about one week later than dated. The total due on this notice, {$97.00}, did not agree with the amount on the account closure notice from XXXX referenced above. As my account had been closed as of XXXX, and with the fact that I removed this account from all forms of payment, I am certain there could have been no additional fees incurred. 

I believe this is illustrated well in the facts that XXXX 's account closure notice is dated XXXX with an amount owed of {$67.00}, and CPRS 's initial mail contact, dated the next day XXXX, has {$97.00} as the amount owed. 

I took this matter into consideration, did some research, and when I was next contacted via phone call I voiced my disagreement. I did request a validation of the amount when it was offered, which it properly was. 

The validation ( see attachments [ XXXX ] ) came in a timely fashion, and confirmed the amount owed to XXXX ( which I am in grudgeful agreement with ). I awaited the next call, which came as I was at work. l was notified that the call was being recorded by CPRS. There was no mention of the validation and the representative relayed that they were attempting to collect a debt of {$97.00} owed by me to XXXXXXXX XXXX I explained my disagreements and the successive validation, which only confirm my claims. The representative maintained that the amount of {$97.00} is what the bank has reported that I owe, and advised me to contact the bank for further clarification of this matter. The matter remains at a standoff now as they have not attempted to contact me again, and I do not feel that I am obligated to pursue clarification with Horizon when I have been provided a clear statement of what was owed at closure of this account already. In fact CPRS provided me a validation of the amount, and being as such, I feel this matter deserves some looking into by an outside agency. 

I tried explaining to the phone representative that XXXXXXXX XXXX 's own statements including the validation, conflicted with the amount on CPRS 's mailed notice and the amount claimed over the phone. The answer was that XXXX quoted an amount of {$97.00} to CPRS, and that amount is what they were collecting. When I again mentioned their own validation of the amount, I was met with a denial that validation had ever occurred in my case. I was told that there was nothing she could see in my records concerning validation. My offer to pay the amount of {$67.00} was met with flat refusal, and the ensuing argument was not pleasant at all, with both parties involved exhibiting negative emotions. This call should be on record with CPRS and should be furnished upon request if there is a question about CPRS 's handling of my own concerns with the amount owed-of which I would not honestly expect much being a debt collection matter-but nonetheless I feel undue stress about. 

I tend to believe there has been a simple typographical error in this case and truly hope that's all it is. But if there is a common practice of deception being reported at all upon this XXXX, I would want my voice added to the rest. I turn to the CFPB at this time in XXXX hope that the matter, as small as it quite possibly is, can be resolved and put to rest. 

XXXX BANK CORPORATE HEADQUARTERS XXXX XXXX XXXX. 
MICHIGAN XXXX, IN XXXX XXXX My local branch : BRANCH XXXX XXXX North XXXX XXXX XXXX Point, IN XXXX COMPLETE PAYMENT RECOVERY SERVICES , INC . 
XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX or XXXX ( there were different phone numbers on the initial notice and the validation letter ) ( Also the BBB lists XXXX address as : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ) RE : XXXX XXXX XXXX. XXXX