Product: Debt collection

XXXX XXXX originally charged-off my XXXX credit card account in the amount of {$3900.00} in XX/XX/XXXX. XXXX XXXX the principal, assigned the collection of this account to its agent, Firstsource Advantage , LLC. While this account was outsourced to Firstsource Advantage , LLC for collection, XXXX XX/XX/XXXX continued to report the account balance to the three major credit bureaus - XXXX, XXXX, and XXXX. 

I paid this account in full to Firstsource Advantage , LLC through a combination of partial payments, culminating in a final payoff amount of {$2100.00}, made on XX/XX/XXXX via electronic check from my XXXX XXXX checking account. I called Firstsource Advantage , LLC several days after making this payment, to inquire as to whether they had informed XXXX XX/XX/XXXX that the debt had been paid in full. I was told that Firstsource Advantage , LLC would " wait a few days '' for the payment to fully clear, and then notify XXXX Bank that the account was paid in full. I received an " Account Paid in Full '' statement dated XX/XX/XXXX from Firstsource Advantage , LLC via First Class Mail. I then contacted XXXX Bank over the next several days, only to learn that they showed the remaining balance on the account of {$2100.00} as still outstanding and delinquent, and were reporting the same to the three credit bureaus. 

I then called Firstsource Advantage , LLC repeatedly. I spoke to an " operational supervisor '' named XXXX XXXX, who initially told me he was " going to do everything he could to help me. '' The next time I spoke to XXXX XXXXXXXX and inquired as to why no communication had been made to XXXX XX/XX/XXXX, he asked me, " Why should I treat you any different? '' He then told me that Firstsource Advantage , LLC was going to wait " 21 days '' before notifying XXXXXX/XX/XXXXthat my account was paid in full. The last time I spoke with XXXX XXXXXXXX was Thursday, XX/XX/XXXX. I had spoken to a XXXX XX/XX/XXXX representative named " XXXX '' just minutes before speaking to XXXX XXXXXXXXXXXX XXXX  XXXX accused me of lying about having to spoken to a XXXX XX/XX/XXXX representative because the XXXX was a bank holiday. I assured him that I had in fact spoken to XXXX and provided him with the toll-free telephone number that I had called. At this point XXXX XXXXXXXX informed me that Firstsource Advantage , LLC was going to wait " 21 business days '' before notifying XXXX XX/XX/XXXX that my account was paid in full, and this would be either Friday, XX/XX/XXXX or Monday, XX/XX/XXXX. 

As of the close of business on Friday, XX/XX/XXXX, XXXX XX/XX/XXXX had not been notified by Firstsource Advantage , LLC that my account was paid in full. 

On Monday, XX/XX/XXXX, it will have been 21 business days ( not including XX/XX/XXXX ) and 32 calendar days since my debt was paid in full to Firstsource Advantage , LLC, the debt recovery/collection agent for XXXX XXXX XXXX This egregious delay has prohibited me from obtaining an Economic Injury Disaster Loan ( EIDL ) from the U.S. Small Business Administration in excess of {$100000.00}. This will not stand. 

Unless I receive written notification and proof by the close of business on Monday, XX/XX/XXXX that XXXX XX/XX/XXXX was notified that my XX/XX/XXXX account was paid in full, I will be commencing legal action against all parties involved.