Consumer complaint received 2018-04-26
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Near the beginning of XXXX I was employed by a couple in our local mall here in XXXX, NC. They owned a couple different kiosks in the middle of the mall such as the phone case kiosk i worked at and also a jewelry kiosk beside it named XXXX XXXX. One day I saw a rose gold XXXX XXXX watch that I liked and they told me they could finance it for me so i could pay it off within 3 months or 90 days no interest and no fees. The watch was XXXX dollars and knowing that is an easy amount to pay off within 3 months I went for it. The first payment came out of my account on XX/XX/XXXX at XXXX, but then the financing company XXXX XXXX, immediately began to take money continously out of my account, again on the XXXX of XXXX at XXXX and again the very next day for XXXX. In XXXX they withdrew again several different times ( the XXXX, XXXX, the XXXX XXXX amd the XXXX ). My bank statements will also be attached for those two months with the withdrawls highlighted in green. 
When I realized what had been happening I immediately called the company and told them there was a mistake because i had already paid XXXX dollars which is more than I ever owed in the first place, and I had paid it all within less than two months so there's no way I had any late fees or anything. They told me I had aquired interest of some sort and that I owed them around XXXX more dollars which then I knew for sure was a fraud. 
I went back to my previous employer who I had financed it with and they THEN informed me it was a leasing company, which no one had told me before when they took my information off the employee paperwork and financed it in my name. 
They also could not give me a copy of any of the paperwork or the exact amount they had originally financed me for. They did express that this had happened before to multiple customers and even to them theirselves so they had stopped using this company, and they suggested I close my bank account and the withdrawls would stop, so that day I closed out my bank account and the calls stopped and withdrawls obviously as well. 

I have NEVER recieved another call or email or letter of any kind regarding this since that day in XXXX, XXXX up until XX/XX/XXXX when i went to get a loan for my new car. 
I realized on my credit report it said I had an account in collections and I knew it was a mistake because I hadn't owed anything, but sure enough I called the collection agency MRS BPO LLC. and it was an account turned over to them from XXXX XXXX. I called them to see why I had never recieved a phone call and they told me they had just gotten ahold of my account the week before which I had a hard time believing. 
I explained my situation to them and they didn't care they told me I owed them XXXX and that they wanted their money and they'd give me a " good deal '' if I just went ahead and paid it that day. 
I was going to pay the lump sum but my mother advised against it because they would not send me documented assurance that they would remove the debt account or written prood of the debt, nor the original amount that was financed. 
I contacted XXXX XXXX who also told me they could not even access my account since it was in collections so they could not tell me anything either. I have been back and forth with each company, I sent a dispute letter to the collection agency and they would not sign for it ( I sent it certified on XXXX XXXX ) and have gotten no response to that. Recently they mailed me a new letter reducing the payoff price down to around XXXX dollars, but they still would not give me written statements saying the debt would be paid in full after that. 
I am writing you in hopes that you will be able to assist me to resolve this so I can have it removed from my credit report, allowing me to refinance my car for a better rate and not be hindered from future purchases because of false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation