Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
Heres a polished draft of your letter to the XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Your Address ] \ [ City, XXXX, ZIP Code ] \ [ Email Address ] \ [ Phone Number ] \ [ Date ] XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : * * Request for Assistance XXXX XXXX, XXXX Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the handling of an account in my name with XXXX XXXX, XXXX ( XXXX ). The details are as follows : Revisiting the already filed complaint : XXXX that has been closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A payment arrangement was previously established with a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX, and I have fully satisfied the agreed-upon payment plan for this account. Despite this, I recently received a collection notice from * * Guglielmo & Associates, Attorneys at Law * *, regarding the same account. 

It appears that this account has been sold and transferred multiple times to different companies, despite my completion of the settlement arrangement. This repeated transfer and continued collection activity is not only frustrating but also misleading. Since the debt was resolved, I should not continue to receive collection letters regarding this matter. 

At this time, I am requesting that the CFPB investigate this issue and require XXXXXXXX XXXX XXXX and its affiliates to : XXXX XXXX XXXX  Cease all collection activities XXXX XXXX  on this resolved account. 
XXXX XXXX XXXX  Remove the account in its entirety XXXX XXXX from all of my credit report profiles with the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX  ) immediately. 

I have upheld my end of the agreement, and I believe it is unjust and inaccurate for this account to remain on my credit reports or to be pursued further by other entities. 



I have also attached the original documentation, along with the settlement agreement showing the debt was paid in full as agreed. Please note that this debt has since been purchased by several different collection agencies.

Company 's Response was as follows : Our firm thoroughly investigated this matter and escalated it to our client for review. The documents that XXXX XXXX submitted for her " last payment '' to XXXX XXXX  stated that she was paying the account that originated with XXXX XXXX XXXX ending in XXXX. Our firm sent XXXX XXXX an initial notice letter for money due and owing on a delinquent credit card account originating with XXXX XXXXXXXX XXXX XXXXXXXX. with account number ending in XXXX I would first like to ask, who is XXXX XXXX? The account did not originally originate with XXXX XXXX XXXX ; it was with XXXX XXXXXXXX XXXX XXXXXXXX. XXXX, along with a few other companies, took over the debt. I was finally able to be in a financial position to make a payment arrangement to pay off the debt, and it has now been paid in full. 

Despite this, Guglielmo and Associates is attempting to present the account as if it is a different account, when in fact it is not. Additionally, they appear to be confusing my account with someone elses, which could constitute a breach of identity. This concern is further supported by the way they have mailed documentation to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX documentation outlines that I have XXXX accounts under XXXX XXXX, XXXX. One of which is XXXX XXXX XXXX and the other of which is XXXX XXXX XXXX XXXXXXXX. 

Thank you for your time and assistance. I respectfully request your prompt intervention to correct this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation