Product: Debt collection

On XX/XX/XXXX a Judgment was issued against me for the credit card debt that I owed to XXXX XXXX XXXX XXXX in the amount of {$6200.00}. The payments were ordered at {$40.00} per month, payable to XXXX XXXX XXXX, XXXX XXXX Counsel C/O the law firm of XXXX, XXXX XXXX XXXX, XXXX ( whom was representing XXXX XXXX XXXX XXXX in this matter ) On XX/XX/XXXX I received a letter of explanation along with a court appearance/withdrawal that the law firm of XXXX, XXXX XXXX XXXX, XXXX   was withdrawing their appearance in this matter on behalf of XXXX XXXX XXXX XXXX. The new law office, XXXX  XXXX filed their appearance and in the letter of explanation I was directed to make all future payments to the new law office that was taking over. At that time I telephoned XXXX XXXX  and spoke to XXXX XXXX to confirm my outstanding balance, which at that time was {$4800.00}. On XX/XX/XXXX I received a statement from XXXX XXXXXXXX reflecting a balance of {$3700.00}, after making my {$40.00} payment the next statement on XX/XX/XXXX reflected a new balance of {$3700.00}, which confirmed that my payments were being deducted form the balance. 

On XX/XX/XXXX my account was transferred to a collection agency : XXXX XXXX XXXX. On XX/XX/XXXX my account was transferred to XXXX XXXX XXXX XXXX XXXX stating that my balance was {$3400.00}, which I do not agree is accurate. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX XXXX disputing the balance and requesting proper verification of the debt and a complete payment history on the account. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX responded stating that my balance was {$3400.00} and including a copy of the original Judgment from XXXX. 

In a separate mailing on XX/XX/XXXX I received another letter from XXXX XXXX XXXX XXXX XXXX with a payment history ranging from XX/XX/XXXX - XX/XX/XXXX, which did not include a payment that was made on XX/XX/XXXX for {$40.00} and on XX/XX/XXXX for {$40.00} ( these checks were made out to XXXX  XXXX, however on the XX/XX/XXXX check copy it is stamped " For XXXX Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' confirming that both checks were cashed for a total of {$80.00} ). In addition I added up all of the payments that were sent in the XX/XX/XXXX response from XXXX XXXX XXXX XXXX XXXX and I do not agree with the {$3400.00} balance, the true balance after adding up all of my past payments totaling {$3600.00} on the original Judgment amount {$6200.00} should only be {$2500.00}. 

On XX/XX/XXXX I sent a certified letter back to XXXX XXXX XXXX XXXX XXXX explaining why I do not agree with the owed balance, especially after using the payment history that they have provided to me on the account. I requested a proper accounting verification of the debt balance that they reflect as {$3400.00}, I also included the copies of the two cashed check copies for {$40.00} each that were sent on XX/XX/XXXX & XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX responded to my request updating the balance to {$3300.00} and stated " enclosed please find validation for the above mentioned account '' they only enclosed a copy of the of the original Judgment from XXXX and a " current balances '' printout stating the following : total balance {$3300.00}, principal balance {$3300.00}, interest balance {$10.00}. 

XXXX XXXX XXXX XXXX XXXX did not respond timely or properly to my request, my account is off by over {$800.00} and they can not validate it, clearly they are violating the Fair Debt Collection Practices Act and I am completely frustrated with this! I will be uploading all documents that support my summary.