Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Love, Beal & Nixon, P.C. (OK)

Complaint Information : - Product : Credit Card - Issue : Debt Collection - Company : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX I am filing this complaint against XXXX XXXX  regarding their handling of my XXXX XXXX XXXX XXXX  account which was transitioned to them beyond my control from XXXX XXXX XXXX XXXX XXXX XXXX. Despite settling my debt in full, XXXX continues to harass me with collection attempts and falsely reporting an outstanding balance to the credit bureaus, damaging my credit and causing undue stress. 
Detailed XXXX : XXXX. XX/XX/XXXX : I made a payment of {$3700.00} to XXXX XXXX to settle my XXXX XXXX XXXX credit card account ( Account Number ending in XXXX XXXX ). 
XXXX. XX/XX/XXXX : I made a final payment of {$810.00} to XXXX by check number XXXX, covering the remaining balance after the account transitioned to XXXX. 
XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX confirmed the payment to XXXX XXXX in a letter. 
XXXX. XX/XX/XXXX : I received a letter from XXXX stating they did not receive confirmation of the payment, despite my repeated attempts to provide documentation. 
XXXX. XX/XX/XXXX : I sent a letter to XXXX XXXX XXXX Department, attaching confirmation of payment and requesting a cease and desist of collection activities. 
XXXX. XX/XX/XXXX, and XX/XX/XXXX : XXXX sent letters acknowledging receipt of my cease and desist request and provisional resolution of my payment inquiry. 
XXXX. XX/XX/XXXX, and XX/XX/XXXX : Further correspondence from XXXX indicating ongoing review but with no final resolution. 
XXXX. XX/XX/XXXX : I sent a letter to XXXX XXXX XXXX Credit Card Dispute Department confirming the payments and disputing the continued collection attempts. 
Despite these steps, XXXX has failed to update their records to reflect that my debt has been fully paid. They continue to pursue collection through a collection agency Love, Beal and Nixon XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and falsely reporting my account as delinquent to the credit bureaus ( XXXX, XXXX, and XXXX ) XXXX and cause significant stress and harm to my credit report and score. 
Credit Bureau Impact : The false reporting by XXXX has negatively impacted my credit. The attached credit report from XXXX shows the following inaccuracies : - Account Status : {$4700.00} past due as of XX/XX/XXXX. 
- Payment History : Reflects multiple charge-offs and delinquencies from XX/XX/XXXX to XX/XX/XXXX. 
Additional Information : XXXX issued an XXXX XXXX XXXX  to me in XXXX, which I have never activated or used. Despite this, the company claims I have an outstanding debt, exacerbating the issue. 
Documents Included : XXXX. Payment confirmation to XXXX XXXX. 
XXXX. Payment confirmation to XXXX. 
XXXX. Correspondence with XXXX regarding the dispute and cease and desist request. 
XXXX. XXXX letters and statements from XXXX. 
XXXX. Image of the unopened XXXX XXXX XXXX sent by XXXX. 
XXXX. XXXX to XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 
XXXX. Letter to XXXX XXXX XXXX Credit Card XXXX Department XXXX XX/XX/XXXX. 
XXXX. Bank XXXX XXXX XXXX dated XX/XX/XXXX, confirming payment. 
XXXX. XXXX letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX Credit report from XXXX showing the false reporting.