Consumer complaint received 2023-10-19
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XX/XX/XXXX, my estranged husband file for XXXX  XXXX bankruptcy. One of the debts he listed on his bankruptcy application was a master card account that my estranged husband and I were joint credit card holders. 

On or about XXXX XX/XX/XXXX, I received a telephone call from a lady from the XXXX XXXX XXXX ( XXXX ) XXXX XXXX Bankruptcy department demanding payment. She spoke in a rude and very abrasive tone of voice demanding payment. 

She went on to say that just because my husband filed for bankruptcy that I am still liable to pay the credit card bill and that I need to make an immediate payment. I made a payment that day and subsequently set up an automatic payment from my checking account for {$36.00} to pay the credit card bill every month. 

On or about XX/XX/XXXX, the XXXX Florida Bankruptcy court notified RBFCU Mastercard bankruptcy department to file any claims they may have by submitting Proof of Claims due to the Bankruptcy XXXX by XX/XX/XXXX. 

On or about XX/XX/XXXX, Randolph Brooks FCU Mastercard bankruptcy department submitted their Proof of Claim for {$1700.00} for the joint credit card account to the XXXX XXXX  Bankruptcy XXXX. Note : as of XXXX XX/XX/XXXX, {$1700.00} was the joint credit card account balance. 

On or about XX/XX/XXXX, the XXXX XXXX  bankruptcy court sent Randolph Brooks FCU Mastercard bankruptcy department check # XXXX for {$1800.00} ( {$1700.00} payment in full for the joint credit card account claim and {$2.00} interest ). 

Sometime in XX/XX/XXXX, it appeared on my credit reports that the original credit card account number was changed to a new XXXX credit card account number with the balanced transferred to the new credit card account and it stated that the account was closed by grantor with an open balance of {$1100.00}. 

Unbeknown to me that the bankruptcy court had paid the claim in full and that RBFCU had transferred the balance to a new account and was still taking payment from my checking account.

I recently found out that the Bankruptcy court had paid RBFCU the claim in full plus interest ( {$1800.00} ), On XXXX XX/XX/XXXX, I emailed RBFCU requesting to be reimburse the overpayment of $ XXXXand to correct my credit reports and to stop taking payment from my checking account. 

On XXXX XX/XX/XXXX, RBFCU responded back to my complaint, but they only reimbursed me {$250.00}. That means RBFCU collected a total of {$230000.00} for a claim they submitted for only {$1700.00} ( my payments of {$820.00} and the Bankruptcy court payment of {$1800.00} ). I strongly believe this is fraud and I should be reimbursed the total overpayment of {$820.00} and not just {$250.00}. 

In summary, as of XXXX XX/XX/XXXX, the balance due was {$1700.00} and RBFCU MC submitted a claim of {$1700.00} to the bankruptcy court in which they were paid the claim amount plus interest ( {$1800.00} plus my payments of {$820.00} ). I should be reimbursed the difference and RBFCU should not be allowed to pocket the over payment.

Company response to consumer: Closed with explanation