Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notice from my credit monitoring service that Diversified Adjustment Service , Inc. reported an invalid debt previo usly owned by XXXX for {$600.00} on my credit reports. This debt is invalid because I not only paid XXXX in full but I overpaid them and the account was never delinquent. As shown in the attached copy of the final bill from XXXX ( see attachment # 1 ), dated XX/XX/XXXX-XX/XX/XXXX, the final bill total was {$2100.00} for all fees, charges, and services through XX/XX/XXXX. Page 5 of 6 of that bill states {$890.00} for the XXXX XXXX and {$590.00} for the XXXX XXXX would be " credited to my account if the devices were returned to XXXX in good working condition per the lease agreement. '' XXXX also made the same statement as reflected in the email they sent to me on XX/XX/XXXX and the conversation I had with their customer service department via XXXX 's chat feature on their website on XX/XX/XXXX ( see attachment # 3 ). On  XX/XX/XXXX at XXXX I returned the devices to a XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX , OH. The attached receipt shows the XXXX XXXX and the XXXX were returned along with an XXXX XXXX ( see attachment # 3 ). All phones were returned in excellent working condition and XXXX acknowledged that the devices were returned. On the last bill created by XXXX ( attachment # 2 ),  dated XX/XX/XXXX-XX/XX/XXXX, an unexplained total of {$600.00} is listed ; however, pg. 1 of that bill shows there were no new charges added to my account since the final bill dated XX/XX/XXXX-XX/XX/XXXX. It only reflects a payment made by me on XX/XX/XXXX in the amount of {$32.00}. Neither bills reflect the payment I made in the amount of {$1000.00} on XX/XX/XXXX, confirmation # XXXX XXXX see attachment # 3, pg.5 ) ;  however, XXXX acknowledged I made the payment. XXXX also lied about a payment attempt. They claimed a payment attempt in the amount of {$620.00} was made on XX/XX/XXXX ; however, they have no record of it and I have attached proof ( attachment # 3, pg. 4 ) that they attempted to collect {$1600.00} from my bank account on XX/XX/XXXX. XXXX 's attempt to collect payment from my bank account was fraudulent because I had already paid my account in full to XXXX. 
In summary, XXXX provided documentation that my final bill total was {$2100.00}, which included ALL charges through the port out/account cancellation date of XX/XX/XXXX. The documentation provided by XXXX also states {$890.00} for the XXXX XXXX and {$590.00} for the XXXX   XXXX in the total amount of {$1400.00} would be credited to my account once the devices were returned in good working condition in accordance with my lease agreement AND the devices were returned to XXXX in good working condition on XX/XX/XXXX, which XXXX agreed with. XXXX also provided documentation that I made a payment in the amount of {$32.00} on XX/XX/XXXX. Therefore, the final bill total of {$2100.00} should have been reduced by {$1400.00} ( for the returned devices ), resulting in a final bill total of {$620.00}. My payments totaling {$1000.00} ( a {$1000.00} payment on XX/XX/XXXX and {$32.00} made on XX/XX/XXXX ) should have been applied to the final bill total and resulted in an over payment made by me to XXXX in the amount of {$440.00}. Diversified Adjustment Service , Inc. is attempting to report and collect an invalid debt from me in the total amount of {$600.00}. This debt is invalid as reflected in the bills provided by XXXX and the attached documentation provided by me. XXXX failed to report my payment made on XX/XX/XXXX in their bills ; however, I have proof of the payment and XXXX acknowledged I made the payment. In accordance with federal law, Diversified Adjustment Service must  validate the debt they are attempting to collect and I have successfully proven this debt is not valid, untrue, and is inaccurate as reflected in the bills provided by XXXX and the additional documentation I have provided. I do not owe XXXX or Diversified Adjustment Service, Inc. for any amount because I overpaid XXXX by {$440.00} and provided proof in my attachments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation