Product: Debt collection

I discovered I was in collections with XXXX approximately three weeks ago because my XXXX XXXX score dropped. Initially, I never received any bills or letters regarding the owed amount from XXXX. I had been the primary account holder with T-Mobile for over 15 years, with my cousin XXXX XXXX XXXX under my account. 

On XX/XX/XXXX, we decided to close my account and transfer it to XXXX XXXX XXXX under the same phone number. During the transfer, XXXX XXXX XXXX made a payment on the account under my name up until the closure date. We confirmed with the XXXX representative several times during the account closure that everything was settled and no debt was owed under my name after XXXX XXXX XXXX XXXX payment. 

About three weeks ago, I checked my XXXX XXXX and noticed a significant decrease in my credit score. Upon investigating, I discovered I had been sent to collections. XXXX XXXX directed me to XXXX  for details. When I contacted XXXX, they informed me that due to the account being in collections, they had no access to it. 

After speaking with someone from the collections agency, I learned I was in collections due to an unpaid XXXX XXXX. When I questioned XXXX XXXX XXXX about the XXXX XXXX, she confirmed her husband purchased it as a gift for her outside of XXXX, from either an Apple Store or XXXX, and not under the XXXX XXXX I was the primary at the time. I relayed this information to the collections agency, who agreed to dispute the claim and return the account to T-Mobile. 

In XX/XX/XXXX, when I contacted XXXX, they asked for details of an account that had been closed almost XXXX years ago. Despite not having access to the account anymore, XXXX required me to verify my identity multiple times at a XXXX store, causing significant inconvenience. 

After finally accessing my account, XXXX provided XXXX different reasons for the {$200.00} owed. Initially, they claimed it was for the XXXX XXXX, but upon clarification with both me and XXXX XXXX XXXX, who was now the account holder, they changed their story to say it was for an unpaid XXXX XXXX. However, any remaining payments for the XXXX had been transferred to XXXX XXXX XXXX when we closed the account. 

XXXX XXXX XXXX had contacted XXXX back in XXXX as she wanted to upgrade her XXXX XXXX XXXX and was informed by a XXXX representative that the XXXX XXXX, which XXXX is referring to as unpaid by the supervisor and manager was paid off on XXXX of XXXX. Despite informing supervisor named XXXX XXXX and Manager XXXX of this during a call on XX/XX/XXXX, they stated they couldn't adjust the charges. 

When I requested a copy of my cancellation agreement from Manager XXXX, and Supervisor  XXXX they both denied my request, stating they were not allowed to provide me with my own documentation proof. When I also requested a receipt for the XXXX XXXX purchase they were charging me for. Supervisor XXXX stated no such purchase existed, so they couldnt provide me with a receipt, even after nearly four hours on the call. Later, after confirming no XXXX XXXX was purchased, Supervisor XXXX stated the {$200.00} owed was for an XXXX XXXX service. 

My question remains : if I closed and transferred the account to XXXX XXXX XXXX, why am I being charged for XXXX XXXX services after the account closure on XX/XX/XXXX, and how much could such a service plan cost? They are stating I owe {$200.00} for this service. As per my understanding, my account was not fully closed on the date indicated in the signed agreement, which XXXX refuses to provide, T-Mobile keep the account open and using my social security number without my permission until XXXX. Probably charging the XXXX XXXX service fee to a closed account. I want to sue XXXX for all the time wasted away from my job. I am also requesting that this collection debt be removed from my XXXX XXXX, as XXXX is charging me for items they can not justify. Additionally, I also want information on how to file a complaint about both the manager and supervisor for their disrespectful and unprofessional behavior toward customers. Manager XXXX even hung up the phone on me when he had no more arguments, knowing they are charging for items I don't owe and possibly to the wrong person.