Product: Credit card or prepaid card

I have/had a Visa from XXXX XXXX XXXX. In XXXX I was having trouble making my payments and found help with XXXX, a Debt Consolidation company. XXXX contacted XXXX XXXX XXXX and informed them that I would be working with XXXX to pay off my crdit card balance on my XXXX  XXXX XXXX account. XXXX and XXXX XXXX XXXX settled on a {$50.00} payment from me that I would send to XXXX and XXXX would send to XXXX XXXX XXXX. After one year of payments, XXXX said my account with XXXX XXXX XXXX should be paid off. I logged into my XXXX XXXX XXXX   account and instead of a XXXX Balance, I saw a balance of just over {$1000.00}. This can't be happening. I called XXXX XXXX XXXX, and they said I was suppose to be making {$60.00} payments, not {$50.00} that they agreed with, with XXXX, so for over a one year period they were charging me the extra {$10.00} to make {$60.00}, and they were charging me late fees to equal {$1000.00}. XXXX XXXX XXXX told XXXX I had missed a payment and they took me off the program with XXXX. XXXX and I had no knowledge of any missing payments. 

XXXX told me to take XXXX XXXX XXXX off of my account with XXXX, and told me that XXXX XXXX XXXX would offer me a settlement for a smaller portion of what they said I owed. As far as XXXX was concerned, I had already paid this account with XXXX XXXX XXXX  off, but XXXX XXXX XXXX was not going to let this go. So I called XXXX XXXX XXXX about the settlement offer, and they said they will send me an Official Letter in the mail, which they did. Once I got the letter, I called them back and spoke to a lady named XXXX told me along with the first payment, attach a letter stating I accept the settlement offer, which I did. 

The settlement offer was for the amount of {$720.00} made with three payments of {$240.00} each ( that I made by money order ), and once they received the last payment of {$240.00} that my account would be considered settled and closed. The letter stated that this was a limited time offer and that I had till XX/XX/XXXX to accept the offer. I accepted the offer XX/XX/XXXX with my first payment of {$240.00}. The XXXX XXXX XXXX   employee XXXX, set up three pay dates for me to get the money orders in ; XX/XX/XXXX, XXXX and XXXX. I sent in all three payments on time as agreed upon by myself and XXXX XXXX XXXX. After the third and final payment I was waiting for a phone call or email from XXXX XXXX XXXX informing me of my account being settled and closed, but I did not hear anything from them. After a while I logged back into my XXXX XXXX XXXX account, and to my surprise, I did not see a XXXX balance and a closed account, but instead I saw a balance of {$880.00} being due and that was not accurate. 

I called XXXX XXXX XXXX immediately and they said that they did not receive my final payment of {$240.00} by XX/XX/XXXX so the settlement offer was void. I told them that my final payment was not due till XX/XX/XXXX as per their employee XXXX had set it up that way, and nowhere on the settlement letter did it state the last payment was due XX/XX/XXXX. It said I had till XX/XX/XXXX to accept the settlement offer. So it appears to me, and their employee XXXX and others who have seen the settlement letter, that XXXX XXXX XXXX is mistaken with when the final payment was due, but according to XXXX, I made the payment on time, so therefore, I have already paid XXXX XXXX XXXX twice, Once with XXXX for a year at {$50.00} a payment, and Again, with the settlement offer of {$720.00} that I paid in full. 

XXXX XXXX XXXX turned me over to a collection agency called Resurgent Capital Services, LP. I called this agency on XX/XX/XXXX and spoke with XXXX XXXX at ( XXXX ) XXXX XXXX and informed him that I was contesting this case due to all that I have described above, and he told me he would look into it and get back to me, and he never did. Time went by and I had not received any emails, phone calls or letters from this agency and I thought they had discovered through their investigation that I had indeed payed XXXX XXXX XXXX  in full. It was in XXXX of this year ( XXXX ) when I checked my credit report that I saw Resurgent Capital Services, LP was now on my credit report as being in collections. I called them on XX/XX/XXXX and spoke with a Ms. XXXX about my account, and she looked my account up and saw the four page letter that I sent to XXXX XXXX on XX/XX/XXXX, but they did not act on it since I had to documents to prove my claim, so Ms. XXXX  told me to make copies of any and all documents supporting my claims that I had indeed payed this off twice. 

The Documents I sent were the following : ( 1 ). Photo copy of the settlement letter that XXXX XXXX XXXX sent me, both front and back. The back had the employee XXXX XXXX name and her instructing me to write and send the acceptance letter to XXXX XXXX XXXX. ( 2 ). Copies of the three money orders with the {$240.00} amounts clearly visible. ( 3 ) receipts showing I bought the money orders. ( 4 ). Photo copy of the handwritten acceptance letter that XXXX told me to send. ( 5 ). Copies of the Bank Statements showing the three payments of {$240.00} that I made to XXXX XXXX XXXX  for the month of XX/XX/XXXX. ( 6 ). Copy of the Letter from XXXX XXXX XXXX acknowledging my request for my bank statements showing all three payments of {$240.00} from XXXX ( which they tried not sending me after I told them they were Legally supposed to sent me any bank statements I wanted since they locked me out of my account and prevented me from accessing my own bank statements. ) ( 7 ). Copy of the envelope that they sent my Bank Statements in after saying they did not have my address, even tough they did or how would I have received these bank statements by mail. ( 8 ). And a copy of the letter from Attorneys from XXXX XXXX XXXX with Mr. XXXX XXXX and the date I talked to him and his phone number. This was the original collection agency that XXXX XXXX XXXX  turned me over too and then they turned the case over to Resurgent Capital Services, LP. 

So I sent in all these documents and received a letter from Resurgent Capital Services, LP informing me that they were investigating my documents and claim. And a few moths ago, I received another letter from Resurgent Capital Services, LP stating that I have insufficient evidence or proof to fight my claim that I have paid XXXX XXXXXXXX XXXX  twice. I do not see how that is possible. The settlement offer letter I received from XXXX XXXX XXXX and the copies of the three money orders themselves is plenty of evidence and proof that I have paid them in full. So I do not owe them {$880.00}, and I need help clearing this mess up. It has been going on for over four years now. Please help me!