Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: FIRST PORTFOLIO SERVICING INC (NC)

My account fell past due ( due to a serious diagnosed medical condition ) which Caused my account to be charged with many excessive late fees of {$40.00} for several months. You will see on the attached letter that I tried to call them and explain my situation and to see if we can come to some type of arrangement to settle the account in a way that benefits both of us and instead I end up getting a letter from a collection agency because after repeated attempts with the credit card company and then telling me no, I just let the account go untouched which resulted in even more {$40.00} late fees. So, I spoke with the collection agency and explained my situation and told them that I did not want to settle on one of their proposed settlements that I wanted to pay in full of what I owed minus the late fee charges and they said I would have to contact the card company to work that out with them. I tried again to contact the card company and was unsuccessful in my request. So I established pament history with the collection agency and all I am looking for now is to have those late fees removed from my balance owed and to continue pay down my balance and once it is paid in full I would like not only the collection agency but also the card company to show status in my credit file from " in collection '' to " current paid as agreed. closed. '' my original email : To whom it may concern, I am replying to the email I received on XX/XX/XXXX, re : XXXX XXXX  If you are referring to XXXX XXXX  - let your records reflect that I made every attempt possible, within my limits and capabilities, to resolve this matter directly with XXXX XXXX  ( Revvi ) starting back in XX/XX/XXXX. 
-on XX/XX/XXXX, I sent them an email to inquire about payment assistance, to which I received no response. 
-on XX/XX/XXXX I received an email from them regarding bal : {$310.00}, and to call to discuss payment options. 
-on XX/XX/XXXX I spoke to an an agent on the phone regarding last email and what options were available. Their response " there are none '' -by XX/XX/XXXX my account {$370.00}, of that total {$110.00} was just in late fee charges -on XX/XX/XXXX I received another email regarding XXXX : $ {$420.00}, of which {$150.00} was late fees -on XX/XX/XXXX I called and spoke with a supervisor to explain my situation and requested a waiver of the late fees, which would bring my balance to {$260.00}, and asked if I could pay $ XXXX for XXXX  months = {$280.00} and close my account as paid in full. They said no. I then asked if I could close the account, effective immediately and pay $ XXXX for XXXX  months to pay the amount ( {$420.00} ) in full as I did not want to accept a " paid for less than amount owed '' on my report. Again, they said no. 
-So, all i could do at that time was {$25.00} which I paid on XX/XX/XXXX. Last statement I received from them was foe {$410.00} which is the amount you are trying to recover. 

So, again, let your records reflect that I did everything I could to resolve this matter. Revvi refused every step of the way. 
Additionally, - XXXX XXXX, XXXX to remove any and all remarks from my report - and XXXX Banks to change their remarks from " charge off/closed '' to " closed/paid in full as agreed '' I received no response to my letter