I called to settle a dept and have it turned into a zero balance on credit report in order to have my loan approved for a house I also have been paying on this the last 11/2 years. I also asked them if they would remove part of the XXXX they added to it for penalitys. they said all the money owed was straight principle.I said that cant be true because I already paid over what I owed with still a XXXX balance but they agreed to settle But not remove the remaining balance. A dept that happened 4 years ago do to losing my job after 25 years. I owed less than XXXX.. I called on the XXXX and paid it I asked to please update my credit report or better yet please fax or email a letter stating that. They refused. Told me a letter would in in the mail by the end of the day due to how early I called. I waited until the following weds the XXXX and called them back only to find out that they never sent the letter because they had to wait until they received the money. That was never told to me however at that time they did send a proposal letter stating what was agreed on not that it was paid also they put an account number on the letter that did not match the credit bureau. and the letter was not accepted by my finance officer I also called my bank and found out they received the money on the XXXX. They lied to me. I called them back and confronted them that I new from my bank they had the money they did agree. Now Im stll waiting for letter stating its paid now there telling me its going to be another 10 days from the XXXX to be what they call finalized. I called on the XXXX day would not finalized was asked to call back the next day. I did still nothing now there saying it could be up till 45 days making sure they have the money. you have the money I said.It has already been verified. sorry you will have to wait. I tried climbing the latter the best I could. Nobody will finalize the letter that I need to send to my finance officer so I can make the bid on a house that Im waiting to buy. It is now the XXXX of XXXX and I still do not have a letter but better yet they will not finalize the account. Now the person I finally got to on fri the XXXX did reach out to help send a urgent request to have this account finalized. He asked for the fax number and will fax it the first thing Tuesday morning the XXXX. well today I called looking for the letter and now my account was placed in administration due to a complaint that someone placed on my account NOT ME and when that happens nothing can happen to the account until all matters are cleared up and no one is allowed to talk to me even the person that 's trying to push my account through. It took me 11/2 hrs to get to administration to find out why my account is there. when I call I get placed on hold for 1/2 or longer and no one returns to the phone This has happened 3 times. I need some one to find out why this account is not being finalized and a letter sent out to my finance officer or to update my credit report with the correct account number and zero out the balance without that I can not move forward on being pre approved for my house. Every person I 've talked to will not forward to a supervisor after talking with them and even when one did she just forward me to another specialist because it was a person I had talked to before and claimed to be a supervisor when in fact she was n't