Product: Debt collection

See below for original complaint and response. In the law firm 's response, they fail to mention that in XXXX written communications on XX/XX/XXXX and XXXX, I shared that the account had been stolen- to which they never acknowledged. I am attaching documentation of the above defamation. Furthermore, the firm failed to disclose that, in the email communication on XX/XX/XXXX, I asked for the full amount due so that I could pay the full amount- to which I did not get a reply until XX/XX/XXXX in which I was told my account was in default. The account became default while I was WAITING for the firm to confirm what amount to send to pay off the balance. I am attaching documentation to support this second count of non-disclosure and defamation. 
This continued prosecutorial misconduct in non-disclosure of communications that support my claim prosecutorial accuses me of being dishonest in my complaint, which I do NOT appreciate and fully consider as defamation. 

YOUR COMPLAINT XXXX transferred credit card debt to XXXX XXXX XXXX in XXXX. I notified XXXX XXXX XXXX that I was not aware of this debt and that, to my knowledge, it had been paid off. I asked them for a copy of the statements and after months they supplied it- to which I realized that my account had substantial fraudulent charges and unauthorized enrollments and charges by XXXX XXXX I notified XXXX of this- to which they did not respond. Debt collection attempts continued. I then was served papers- I notified both the law firm ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the debt was not mine- and got no response. Although I notified both parties that this debt was a result of fraud, they continued to ignore my statement. I was encouraged by the law firm to settle for 80 % despite continually stating that the debt was not mine. The contact at XXXX, XXXX and XXXX XXXX advised me that the client " was known to be very aggressive '' even though I continued to state that the debt was not mine. The law firm took me to court - my repeated statement of the debt not being mine was not disclosed by XXXX or XXXX, XXXX and XXXX XXXX and they pursued the full amount. After unfairly paying over {$2000.00} over XXXX on time payments on this debt, I was attempting to submit XXXX payment on XX/XX/XXXX to find that the system would no longer accept my electronic payments. I reached out to the law office only to be told that a payment on XX/XX/XXXX had not gone through. I stated that I was unaware of this and explained it was due to an account change and immediately offered to submit both XXXX and XXXX payments- only to be told after XXXX on XX/XX/XXXX that all payments must be sent in via certified funds. I then asked for my total balance with intent to pay the balance of around {$2000.00} off. After XXXX  days, of no response, I resent my request for my total balance and was told my account was in default and I owed ~ {$5800.00} immediately. I shared my irritation that I was not given the option to submit payment on time due to lack of communication and notification. Both companies unethically and continually ignored my statement of fraud- while knowing that the original creditor was under investigation for related reasons. 

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Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation XXXX 's Response XX/XX/XXXX VIA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX Case No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - In the Court of Common Pleas Internal File No. : XXXX Dear Sir or Madam : Thank you for giving XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) the opportunity to respond to this complaint. By way of background, on or about XX/XX/XXXX, this underlying account was opened with XXXX, XXXX. The last payment posted to the account by XXXX on or about XX/XX/XXXX. Due to a default on the account, the account was charged off on or about XX/XX/XXXX. On or about XX/XX/XXXX, our client, XXXX XXXX I, XXXX, acquired the account from XXXX. On or about XX/XX/XXXX, XXXX XXXX account was placed with STW for legal collections. On or about XX/XX/XXXX, XXXX sent XXXX XXXX the notice required under XXXX XXXX. XXXX which requires that consumers be provided their rights. On XX/XX/XXXX, XXXX filed a lawsuit against XXXX XXXX in the Court of Common Pleas XXXX XXXX of XXXX. In her CFPB complaint, XXXX XXXX raises that the account may be a result of identity theft. XXXX XXXX did not make any mention of identity theft in the Answer filed with the court on XX/XX/XXXX, the Motion to Compel Arbitration that she filed on XX/XX/XXXX, in her response to the Discovery request submitted on XX/XX/XXXX, at the time that suit was filed, service was obtained, or in later settlement agreements between XXXX XXXX and our firm. On XX/XX/XXXX, XXXX contacted XXXX XXXX to discuss a voluntary payment arrangement or possible settlement arrangement. On XX/XX/XXXX, a settlement proposal made by XXXX XXXX was submitted to our client, XXXX, for review and approval. This settlement proposal was approved by XXXX and an email response was sent to XXXX XXXX to advise her that her settlement was approved along with a corresponding approval letter for her records. On XX/XX/XXXX, XXXX XXXX appeared via XXXX for the XXXX, our clients, motion for summary judgment. XXXX XXXX alleged that the card was stolen and that she reported this to XXXX in XXXX. XXXX XXXX claimed that she recollected that some of the charges appeared fraudulent. STWs counsel countered that XXXX XXXX had been provided with account billing statements for the underlying account within the summons and complaint, that this is the first assertion of theft, and no evidence was provided to substantiate the claim of fraud/theft. On XX/XX/XXXX, XXXX was entered against the consumer in favor of our client, XXXX. On XX/XX/XXXX, XXXX XXXX emailed our office to discuss the previous settlement agreement. On XX/XX/XXXX, XXXX received the first voluntary payment from XXXX XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, XXXX received a total of {$4300.00} in payments from XXXX XXXX. XXXX XXXX last payment attempt on XX/XX/XXXX, was returned as non-sufficient funds. On XX/XX/XXXX, XXXX XXXX contacted our office by email and stated that she would be placing her next payment in the mail within the next XXXX business days and that she was interested in paying the remainder/best offer in full On XX/XX/XXXX, XXXX received a CFPB complaint filed by XXXX XXXX. In the following XXXX days, XXXX received emails from XXXX XXXX. In response, on XX/XX/XXXX, XXXX sent an email to XXXX XXXX stating that her account is under review with our client. Please note, our client inquired with XXXX about XXXX XXXX claim of fraud. XXXX reviewed the account and did not have any record of a fraud claim on the account. Further, in her complaint, XXXX XXXX alleges negligent, coercive, and borderline discriminating communication and gender discrimination. We have reviewed our records regarding XXXX XXXX account and have found no evidence to support these claims. Further, it is the policy of this firm to treat all consumers equal, with respect, and not to discriminate, mislead, or coerce anyone and we adhered to that policy with this consumer. If XXXX XXXX would like to discuss her account, she is encouraged to contact our law firm at XXXX. If your office has any further questions, please do not hesitate to contact us. Respectfully, XXXX XXXX XXXX XXXX