Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: STATE FARM BANK, FSB
State: NJ

Complaint narrative:
I have been mistakenly put into collections for bills that have been paid. I possess all receipts directly from my bank. Their service arrogantly refuses to accept that fact. When I try to talk to their collections people they tell me the conversation will be recorded. Therefore, I tell them I am recording the conversation as well to which they respond " We can not continue the call if it is recorded '' and hang up.I followed their " Billing Rights '' process and sent a letter in compliance on XXXX. To this day I have not been contacted to discuss the matter and trade documents. Their " Billing Rights '' process instructs " continue regular payments '' to which I have complied. It goes on to say " We can not report the amount as delinquent ''. However, the three credit bureaus have marked me as such. At this time late fees have added up to {$190.00} and rising. That is currently in dispute. I would like an accurate payoff figure dating to XXXX, that has deducted the payments made since then, and deducted all interest since then as well. I am ready and able to make such a payment. Also, they must remove all negative documents from each reporting agency ( XXXX, XXXX, XXXX  ). Following is the letter I sent on XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Farm Bank  XXXX XXXX  XXXX, Deposit New York, XXXX I sent my payment of {$50.00} to be received electronically on XXXX as I have always done. Payment is due on XXXX. On XXXX I received a message from my bank that the payment was not accepted. This is very odd as I have sent in payments in the exact same way for quite some time. 

I called State Farm on XXXX to determine what went wrong and was told that I had to send the money under account number ending in XXXX ( previously always sent in account ending in XXXX ). The operator insisted I give her my checking routing number to make the payment which I did. I was told there will be no charge for the transaction. I was also informed that the penalty will be waved. According to my bank, the check was cashed on XXXX. 

This month I have received several harassing phone calls from State Farm who would not tell me why they called because I told them the call is being recorded. 

Since then I have sent another {$50.00} electronic payment to be received on XXXX. My bank informed me that the payment was collected. There is another electronic payment scheduled for XXXX of {$50.00}. 

I have never missed a payment with anyone for any reason for at least the last 20 years. Please correct my account and send me an accurate account balance. I intend to pay this off in full and never do business with your service again. I believe interest charges should stop on XXXX as I was unable to get an accurate payoff figure from your service representatives. An immediate response is requested. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation