Consumer complaint received 2025-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mediation Recovery Center
State: OK

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX I received letter from company named XXXX XXXX Mediation Recovery Center ). The letter stated that I owed outstanding balance of {$1200.00}. And, in the letter it stated that the above-named company is collecting for XXXX XXXX XXXX It also went into detail of different payment plans as follows : Monthly payments of $ XXXX towards balance of {$1200.00} ( Discount ) Monthly payments of $ XXXX towards balance of {$960.00} ( Discount ) One-time payment of {$600.00} ( Discount ) I contacted XXXX and chose the option of {$49.00} option, shortly after that a monthly automatic debit, would be performed every month of the XXXX from my personal bank account. Everything went as planned with the monthly payments, until I made my last payment of {$29.00} on XX/XX/XXXX. After, I had made my last payment on the XXXX, I personally contacted this company at XXXX, and had a gentleman check to see if I had anymore loans outstanding. The gentleman on the other line stated no, so the representative processed my payment, as well as sent me payoff letter through my personal email. Now, as I previously mentioned I paid this balance in full on XX/XX/XXXX, or so I thought, all the while this same company mailed out another collection letter, on XX/XX/XXXX asking for the same amount, with different account numbers plus the following payoff options : Monthly payments of $ XXXX towards balance of {$1200.00} ( Discount ) One-time payment of {$600.00} ( Discount ) Immediately, after receiving second letter I called, and spoke to representative. Then, once representative answered I stated : " I am calling because I just received another letter, stating I again owe {$1200.00}, and that I thought this balance was taken care of on XX/XX/XXXX. '' I also reminded the representative that someone checked on XX/XX/XXXX, and had told me that I did not have anymore loans. This representative stated that the other person had made a mistake, and had not looked up in the left hand corner of my account. I replied that is not right to the representative, then I asked when was I supposed to take this other loan out, and the representative stated XXXX of XXXX. At, this time, I am very frustrated and proceeded to hang up on this individual. Next, I decided to call XXXX XXXX directly at XXXX, then proceeded to talk to live representative, then proceeded to tell representative the story, the female representative then asked for my first and last name as well as my last four of social. She looked in her system and the replied that there was no record of me, ever taking out loan with them. Then, I gave her my first, middle, and last name, her system again did not pull up anything. So, she stated that it sounded like I have been scammed by fake collection company. Shortly, she then asked for my email and sent me the XXXX website, so I have filled out complaint with them. I would like this company or individuals to be caught for fraud. 

The companys info is as follows : XXXX XXXX XXXX XXXX XXXX IL XXXX In the right hand corner it is as follows : XXXX XXXX XXXX XXXX IL XXXX XXXX Also has closing line as follows : Sincerely, XXXX XXXX Account XXXX XXXX Pay online at XXXX Again I hope to have this problem resolved, and fakes held accountable for taking my money in the amount of {$960.00}. 

Thanks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation