Product: Debt collection

XXXX - We canceled XXXX in XX/XX/XXXX after being a loyal customer for over 20 years. We paid XXXX monthly via auto payments from our Credit Card. We were paid in Full as off XX/XX/XXXX when final payment posted to our Credit Card. 

Bottom Line : XXXX sent us to collections via Credence Resource Management. LLC for a debt we do not owe. We contact both XXXX XXXX Credence. XXXX told us yes, they made a mistake and we are paid in full. When we tell this info to Credence they say it needs to come from XXXX. XXXX will not pass this information on to Credence. Credence will not stop calling me after I told them on their first call to stop calling me. On XX/XX/XXXX Credence has damaged my financial reputation buy reporting this false debt to XXXX. On principle we have spent hours upon hours to clear this issue. I am confident both XXXX and Credence know this harassment will lead to people just paying a debt they do not owe just to end the harassment. 

Below is a copy of our most recent dispute correspondence ( edited to remove personal info ) XX/XX/XXXX Hello, I am writing to dispute the XXXX XXXX XXXX XXXX that has now been sent to Credence Collections. 

Account Information : Primary Account Holder XXXXXXXXX Account # XXXX Phone # Associated with account XXXX Account Address XXXXXXXX XXXXXX, MT XXXX Email XXXXXXXXX.com or XXXXXXX.com I am writing this email to officially dispute the charges of {$410.00} from XXXX account number XXXX XXXX The XXXX account was canceled. XX/XX/XXXX. I had called and requested to cancel my service XX/XX/XXXX. At the time of calling and canceling I was told my final bill would be {$200.00} and due XX/XX/XXXX. The final bill was deducted from my bank account on that exact date. All equipment was returned as requested. I then received another bill for {$200.00} for services that I DID NOT have for the month of XXXX XXXX. I contacted XXXX. and was told I should not have been charged for that and to contact my bank and make a stop payment. Which I did and the payment was not deducted from my bank account. Then again, I received another bill for {$200.00} for the month of service of XXXX through XXXX. I again contacted XXXX. I was told not to pay it and to disregard the bill. At that point, I thought the account was settled, and I owed no money. To my surprise I received a letter from credence resource management debt collector for a total of XXXX. On XX/XX/XXXX I contacted XXXX XXXX once again. After being transferred many times, I reached what I was told the collection team. I again explained the situation. The XXXX XXXX employee agreed that there had been a mistake on the account but that I would need to dispute it with Credence Collections since the account was sent to collections. On XX/XX/XXXX I emailed Credence Collections to make a formal dispute request. Today, XX/XX/XXXX I contacted Credence for an update. I was instructed to formally send XXXX XXXX an email stating the dispute. I was told that XXXX XXXX will need to contact Credence to release the credit debit. PLEASE look into this! 



This is from the itemized bill I requested. 

Account activity Your last bill {$200.00} Payments XXXX Credit Card XXXX XXXX XX/XX/XXXX - {$200.00} XXXX. XXXX XXXX posted XX/XX/XXXX - {$200.00} XXXX. XXXX XXXX posted XX/XX/XXXX - {$200.00} XXXX for payments - {$620.00} Adjustments XXXX. Payment Reversal posted XX/XX/XXXX {$200.00} XXXX. Payment Reversal posted XX/XX/XXXX {$200.00} XXXX for adjustments {$410.00} Remaining balance {$0.00} Thank you, XXXX