Consumer complaint received 06/13/2016 about Debt collection (Credit card) with NORTHLAND GROUP INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: STATUS Response disputed XXXX Credit Card said : Explanation of closure XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Consumer Financial Protection Bureau - Case # XXXX XXXX account ending in XXXX Dear XXXX . XXXX : I am in receipt of your complaint filed with the Consumer Financial Protection Bureau and forwarded to XXXX Executive Office. As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department XXXX XXXX XXXX ( XXXX ). 

In researching your complaint, I found that on XXXX XXXX, XXXX, one of our representatives sent you the attached letter validating the debt on your XXXX account noted above. With this letter, we also mailed copies of the monthly billing statements for XXXX XXXX, XXXX, through XXXX XXXX, XXXX. 

In summary, our records indicate that the account was opened on XXXX XXXX, XXXX, and closed on XXXX XXXX, XXXX, by the creditor, XXXX, because payments were not received as required by the terms of the XXXX Credit Card Agreement. The last purchase was made on XXXX XXXX, XXXX, and the last payment was received on XXXX XXXX, XXXX. If you have record of additional payments made on the account that did not appear on your statements, please send copies of the front and back of the cancelled checks or the bank transmittals for further investigation. 

We show that all monthly statements were mailed to you at the address you provided as your billing address and there is no record of returned mail, which suggests that the monthly billing statements were delivered. 

By using your account, you consented to the terms of the XXXX Credit Card Agreement, which governs the use and reporting of this credit account, and includes your promise to pay for all purchases as well as late fees and interest charges. Any delinquencies reported for this account were reported in accordance with that Agreement. It is the Bank 's policy to accurately report the account 's history and payment performance to the credit reporting agencies. Since the information we are reporting is correct, we are unable to delete the account from your credit report. On XXXX XXXX, XXXX, we sent a request to the credit reporting agencies to report your account as " customer disputes reporting. '' The account was charged off on XXXX XXXX, XXXX, with an outstanding balance of {$220.00}. It is the responsibility of the credit reporting agencies to remove information from credit reports. They will remove transaction activity or delinquent information from a credit report seven ( 7 ) years after the date of the first delinquency on the account that led to the account charging off. The balance will remain on our records. 

XXXX . XXXX, if there are any further questions or concerns, your account is currently being managed by Northland Group , Inc. Should you need additional information on the account or wish to make payment arrangements, please Northland Group , Inc. directly at XXXX. 

Sincerely, XXXX XXXX XXXX Executive Office XXXX Extension XXXX Enclosure cc : Consumer Financial Protection Bureau Response Additional time is needed to complete our investigation. 
WHAT HAPPENED Describe what happened so we can understand the issue ... 
CREDIT CARD BILL WAS PAID. 
XXXX This is about a ( n ) Debt collection : Credit card Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt was paid DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
THEY SHOULD DELETE CHARGE OFF FROM MY CREDIT REPORT. 
CONSUMER INFORMATION Contact information Mailing address XXXX XXXX XXXX XXXX XXXX TX XXXX United States Phone XXXX XXXX XXXX Age XXXX Last XXXX digits of SSN XXXX PRODUCT INFORMAT

Company response to consumer: Closed with non-monetary relief