Consumer complaint received 2019-01-19
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please none of the option for " Which best describes your problem '' related to me.

Which best describes your problem? Making a false statement or verbal contract in exchange for full payment.

On XX/XX/XXXX I noticed my loan writer noticed a item was reported to my credit report on XX/XX/XXXX. It was from a company called Professional Bureau of Collection on Maryland Inc on behalf of XXXX XXXX XXXX XXXX. I was informed that I owed a company called XXXX. So I called XXXX of XXXX   and was informed that I indeed owe the money. So early morning on XX/XX/XXXX I called this company Professional of Maryland to see what was going on. They informed me that I owed {$310.00} informed them that I confirmed it with XXXX that I did owe the money and that's why I was calling to settle the debt now over the phone. I inform the customer service rep that i was currently in escrow and that this collection on my credit has blind sided me. I informed her I have spend the last 18 months cleaning up credit to get this house and now on XX/XX/XXXX without making any attempts to contact me what so ever I'm hit with a collection. I explained to her that I had no problem paying right now but I must have assurance this item in question would be " REMOVED '' not paid in full. She informed me that only her manager could approve that and I informed her that I will hold for her manager. A Mrs. XXXX XXXX came to the phone and informed me that if i paid this {$310.00} today they will have this item removed from my report on XX/XX/XXXX once they update the report over to the credit bureaus. Only after being told times that they would update the bureaus on XX/XX/XXXX did provide Professional of Maryland my debt card and paid the {$310.00}. Now it has been 74 days and 5 ordered credit reports later and this item continues to show on my credit report. Every time I call Mrs. XXXX  I am told the same thing. " they have already updated XXXX to have this item removed '' So after running my report onXX/XX/XXXX for the 5th time in 74 day I still see this item on my credit report as paid in full and not removed as Professional of Maryland have been telling me since XX/XX/XXXX. I called XXXX and spoke with the fraud department only to be told that Professional of Maryland has only reported my account as " paid in full ''. They have never asked XXXX to have this item removed from my credit report. Professional of Maryland enter into a verbal recorded contract with when they stated they will have this item removed once paid in full. Now they continue to blame XXXX  for not updating my report. I have HOURS on hold with Professional of Maryland trying to resolve this and i am getting nowhere. They have already cost me a higher finance rate and per hardship and stress. I need Professional of Collection of Maryland to honor our verbal contract and have this item removed ASAP.

Company response to consumer: Closed with explanation