Product: Debt collection

I'm experiencing the same problem, but with a different company. Please refer to my cfpb complaint # XXXX dated XX/XX/XXXX where you will find the exact same circumstances that cause this complaint. While I trust the integrity of your filing system, I'll repeat the narrative here from the referenced complaint : " On or about XXXX XX/XX/XXXX I was notified by my credit union that my checking account had been overdrawn in the amount of {$1100.00}. When I went to the XXXX XXXX to get an explanation I found that XXXX had erroneously charged me for prematurely terminating the terms of my phone lease for 3 phones. This was an error on their part. I had enabled auto-payments for my bill, so they withdrew the funds and left me with the overdraft [ and associated fees ]. When I called XXXX XXXX XXXX to dispute the erroneous charge the representative told me that he wasn't sure why the charge was made ( because I certainly didn't terminate my lease! ). I asked how soon the charge could be returned to my account and he told me it would be 7-10 days. I explained ( that ) their action resulted in the overdraft of my account, and I need that money to pay my rent and other bills. I told him the 7-10 day period was not acceptable, and asked if some type of exception could be made due to it being their error. I told him I was concerned about the erroneous charge refund policy, but more concerned about the situation I was left in due to the error. He told me there was nothing he could do. I again asked if there was some type of exception for me as a XXXX customer, or if there was someone else I could speak with ( escalate the call ), he said no and ended the call. I have been in XXXX XXXX  my entire professional career ( over 35 years ) and [ XXXX ] this interaction was a perfect " learning opportunity '' for that young man, but apparently that call was not monitored or reported because I was never contacted by anyone in XXXX 's XXXX XXXX leadership. I can not describe th feeling of helplessness. My first action was to terminate the auto-pay to XXXX ( I was also required to submit a stop-payment order for them because they subsequently tried on two occasions to again withdraw those same funds! Is that legal? ). I then had to request a loan to pay my rent which they quickly approved because the representative heard my conversartion with XXXX. Not once did they acknowledge their error, or offer me an apology for the shoddy service I received as a XXXX customer. Some days later I changed my service provider. I was sent communications from two different collection agencies on behalf of XXXX that were disputed through XXXX and invalidated. The results from the dispute with XXXX. XXXX were posted on XX/XX/XXXX, and with XXXX XXXX on XX/XX/XXXX. Today I received communication from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, also on XXXX 's behalf. I am aware that many companies sell debts to collection agencies. In my opinion this company has purchased a " bad '' debt that has been twice invalidated. I feel XXXX is harassing me with these collection attempts that are a result of their error and terrible of their ( former ) XXXX customer. Can XXXX be compelled to stop these collection attempts? '' Today I'll add Jefferson Capital Systems , LLC ; XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX