Product: Debt collection

I owed XXXX XXXX a sum that I simply could not pay. I entered negotiations to lower the debt with a law firm said to be representing discover card. The firm was named " XXXX XXXX XXXX, '' located in XXXX Vermont and XXXX New Hampshire. I was told that if I entered a settlement, and completed it as per the schedule, there would be no negative reporting on my credit. 

According to the agreement, dated XX/XX/XXXX, ( see attached ), the settlement amount was to be for {$7400.00} to be paid in monthly installments of XXXX for 60 months. At the request of the Attorney for XXXX Cards, XXXX XXXX of XXXX and XXXX, the payments would be made payable tot he firm of XXXX and XXXX but mailed to the offices of XXXX and XXXX. Aside from the attached fax, I have not other supporting documentation. Although I was to receive copied of the documents I signed with XXXX XXXX at the courthouse I never received a thing. The only record I have of this is a copy of the faxed agreement from XXXX and XXXX which is attached. 

For approximately the first three years, I made payments to the firm of XXXX XXXX XXXX. Some time around XX/XX/XXXX, On XX/XX/XXXX, I received a phone call from XXXX XXXX of XXXX XXXX XXXX. She said that they had not received a payment from XXXX XXXX XXXX ( the attorney representing me ) since XX/XX/XXXX! I told her that I had indeed been sending my payments. My attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX handled the matter. He communicated this to me via email : " I just got off the phone with XXXX. Apparently the payments were sent directly to XXXX XXXX XXXX in New York and she was not notified of the payments. No problem. She will get in touch with them and we 'll make sure that our records of payments match their records of payments received. I gave her my e-mail address to keep me in the loop until we are all set and the payments confirmed. '' After this, I was asked that I stop sending the payments by check and to allow the firm of XXXX XXXX XXXX to withdraw the funds directly from my bank account. I agreed and on XX/XX/XXXX, the first of the remaining payments for {$120.00} were deducted from my account.

After my XX/XX/XXXX, payment of XXXX, the automatic payments which were drawn by XXXX XXXX XXXX stopped. I knew I was close to completion of the agreement but not completely finished, so I tried contacting the firm but all the phone numbers were disconnected. I was also unable to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX with out notice or warning, the debits resumed then continued until XX/XX/XXXX. At this point, I calculated that 60 payments had been made and the terms of the agreement had been satisfied. However, upon a recent examination of my credit report, I noticed that I have been negatively reported by XXXX XXXX and that my account is in collections for the unpaid amount of {$2400.00}. This amount is remarkably close to the amount of {$2400.00} which is the total amount of payments distributed directly to XXXX XXXX XXXX as per XXXX XXXX 's instructions in XX/XX/XXXX. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently diverted my funds to their own pockets resulting in the negative reporting on my credit. I made every effort required to be compliant to the full and inherent spirit of the agreement made in XXXX XXXX XXXX. I would like all parties involved in these wrongdoings to be prosecuted to the full extent of the law. 

Upon request, I can send you any and all of my email correspondences and bank statements related to this matter.