Consumer complaint received 2017-11-07
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX XXXX reported on my credit report HI-CREDIT {$190.00} / BALANCE {$190.00} PAST DUE {$190.00} Placed for Collection : Org Creditor XXXX XXXX XXXX.
XX/XX/XXXX Contact was made to the collection agency that I dispute the charges of the {$190.00} and requested a validation letter. I gave the agency our XXXX address.
XX/XX/XXXX. I informed the agency that there must be an error due to the fact that I held a receipt that indicated the original balance had indeed been paid on XX/XX/XXXX From the XXXX XXXX XXXXs and I can verify with my financial bank to make sure.
I was able to get the bank to send me a hard copy of my bank transations for that month and year.
XX/XX/XXXX Debit {$190.00} Tran Code XXXX XXXX XXXX XXXX XXXX balance {$7300.00}.
XX/XX/XXXXCredit {$150.00} Tran Code XXXX  XXXX XXXX XXXX XXXX was credited back on my card in error of the Hotel.
Note : The Hotel originally received {$190.00} on XX/XX/XXXX and had unnecessarily in error credited back {$150.00} which the hotel has acknowleged was in-fact the XXXX XXXX XXXX mistake and that the {$190.00} should have never been reported to the agency.
XX/XX/XXXX Validation letter was generated and the letter again indicates that the Collection agency is attempting to collect a debt of {$190.00} that the agency had received a verbal dispute from the consumer and the consumer request a validaton letter for the Hotel to conduct a thorough investigation into the noted charges that the consumer is stating this debt had infact been settled on the very day of check-in.XX/XX/XXXX Validation Letter assigned balance {$190.00}. CREDITOR ACCT # XXXX.
Customer Reciept from the XXXX XXXX XXXX  Confirmation # of payment RECEIVED {$190.00} # XXXX. Paid in Full on XX/XX/XXXX. Card XXXX-XXXX-XXXX. Balance XXXX.
Now the issue is I originally paid {$190.00} on XX/XX/XXXXwhich the bank paid on XX/XX/XXXX.
Now the taxes and resort fees were paid in this ORIGINAL AMOUNT OF {$190.00}.
YES ITS TRUE AN UNNECESSARY CREDIT WAS ISSUED IN THE AMOUNT OF XXXX YET THE TAXES AND RESORT FEES WERE ADDED BACK IN TO THE CREDITORS TOTALS WHICH WAS REPORTED ON THE VALIDATION LETTER.
LETS NOT LOOSE SITE OF THE FACT THAT YES A CREDIT WAS ISSUED BACK YET THAT WAS IN ERROR OF THE XXXX XXXX XXXX NOT THE CUSTOMERS.
ITS THE RESPONSIBILITY OF THE XXXX XXXX XXXX TO CONDUCT THEIR BILLING CORRECTLY AND IF AN ERROR WAS MADE SORRY THATS ON THE CREDITORS NOT CUSTOMERS.
That was relayed to me from the XXXX Hotel Manager. So by the Hotel acknowledging their own error the XXXX Hotel issued a RE-CALL on the Collections.
Now my issue is since in fact it was the creditor error to initally report such error on their behalf with not only REPORTING a debt in error that had been originally PAID the Hotel failed to conduct a thorough investigation into the noted charges submitted to the credit agency to double charge for the resort fees and taxes.
Now you know what was stated to me for being harrassed for nearly 2 years being charged higher insurance premiums to being denied and to being talked to in a degrading manor from the credit agency mananger that is on recording which I would like to be reviewed.
All they say to me is SORRY ABOUT THAT MR . CUSTOMER WE APOLOGISE FOR THAT MR.CUSTOMER.
NO THEY SHOULD BE HELD LIABLE TO REFUND BACK TO MR . CUSTOMER IN THE AMOUNT OF {$190.00} PER DAY THAT THIS AMOUNT WAS FALSELY REPORTED.
CAUSE LIKE YOURSELF WHO IS REVIEWING THIS COMPLAINT WE CAN NOT SAY SORRY ABOUT THAT MR. CREDIT AGANCY I APOLOGISE FOR NOT PAYING THE DEBT MR. CREDIT AGENCY. NO WE CANT DO THAT HERE I HAVE BEEN TREATED DISRESPECTFULLY AND CAN NOT EVEN GET AN APOLOGY THE FINANCIAL DAMAGE WAS DONE FROM THE TIME THIS PAID DEBT WAS PLACED ON MY REPORT YET WHO IS RESPONSIBLE TO RECTIFY THE STRESS AND TIME ALONG WITH BEING DEGRADED AND SPOKE TO LIKE A CRIMINAL WHEN IN FACT IT WAS THEIR ON ERROR IN THE BEGINNING.
ALL THE CREDITOR OFFERRD WAS WE WILL RECALL THE DEBT AND REFUND THE XXXX THAT YOU THE CUSTOMER PAID TWICE FOR.
YES I HAD TO REPAY THE {$190.00} PLUS A 3 % CHARGE ON XX/XX/XXXXCAUSE THE CLAIM WAS NEVER RECALLED.
TODAY IT STILL ON MY CREDIT REPORT DOING DAMAGE.

Company response to consumer: Closed with explanation