Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: WV

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX I spoke to Credit Corp Solutions , Inc regarding a collections account with them that had a balance of {$4700.00} on that date. I then agreed to pay {$320.00} Bi-weekly, {$650.00} monthly until it was taken care of. I made all of my payments on time. I contacted them in XXXX to reschedule my last payment a week later. My last payment date for this account as agreed upon was XX/XX/XXXX which shouldve satisfied the account and then been removed from my credit report. The balance currently on this account XXXX  XXXX is {$1200.00}. With my final payment of {$320.00} that was supposed to come out on XX/XX/XXXX this wouldve satisfied my account with them on the agreed upon terms on XX/XX/XXXX, and that they would wipe the rest out once the final payment was made. 

I spoke to a supervisor with Credit Corp Solutions , Inc on XX/XX/XXXX about this issue, and my need to take care of the final payment of {$320.00}. This never came out of my account on XX/XX/XXXX although I stated to the supervisor and sent screenshots of my bank statement that I did in fact have the funds available on that date for the payment to come out. They stated where there was an issue with this, they would no longer honor my final payment of {$320.00} to close the account, and that I now owed {$650.00} to close the account out and that was all they could do. The supervisor stated they called me 82 times in the past months, most recently XXXX in regards to this. They had two numbers on file, XXXX and XXXX. I sent them my XXXX  phone records proving that I hadnt received a phone call at the number ending in XXXX. They called the number ending in XXXX, a number I have no relation to and can prove with phone records as well as I only have mine on there ending in XXXX. They contacted the wrong number numerous times and expected me to answer. I cant answer a phone call to a number that Ive never owned in my lifetime. XXXX XXXX, and have had the same number since probably XXXX XXXXXXXX XXXX XXXX so I am unsure of where they got that number ending in XXXX as I dont have any immediate family member with that number either. 

I want to ultimately pay my final payment of {$320.00} as agreed upon and have it then removed from my credit report. My payment agreement had no terms or conditions regarding making this final payment. I had the funds available on XXXX when it was supposed to come out. They claimed to try and charge my account on XXXX and five times after. The funds were available on XXXX, I sent the supervisor phone records proving I have no connection to XXXX and that is the reason I never received their calls. I provided them with phone call logs on my XXXX number proving that I havent received a single phone call from them on that number, which is why I never knew the last payment didnt go through in the first place. I contacted them to settle this and pay the final {$320.00} today, which is then when the supervisor told me I had to pay {$650.00}. They ended the chat after I sent screenshots proving my bank funds on XXXX and my call logs proving I had no communication with them and wouldnt provide me a resolution other than pay {$650.00} and have a good day. Which is not what I agreed upon, I agreed upon paying the finally {$320.00} and having it removed from my credit report. Im now reaching out to XXXX as Credit Corp Solutions no longer has my best interest in being able to take care of this. Ultimately, I want to hopefully move on with my final payment as agreed upon of {$320.00} dollars to close the account so both parties can move on, but I will not pay a dime more when I didnt agree to this and they had been calling a phone number Ive never been associated with, along with the fact that my funds were available on the agreed upon final transaction date of XXXX. Thank you

Company response to consumer: Closed with explanation