Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
I have a debt with XXXX XXXX, XXXX, /Wetsch Abbott Osborn Van Vliert PLC , for {$860.00}. To date, I have made 11 payments to Wetsch Abbott Osborn Van Vliert PLC ( 2- {$100.00} payments, 8- {$66.00} payments, & 1- {$66.00} payment = {$790.00} ) and 1 payment to XXXX XXXX, XXXX ( {$66.00} ). Making a total payment of {$860.00}. 

XX/XX/XXXX Received Notice To Cure from Wetsch Abbott Osborn Van Vliert PLC XX/XX/XXXX Set up payment plan with Wetsch Abbott Osborn Van Vliert PLC, $ XXXX/Month XX/XX/XXXX - $ 100 monthly payment to Wetsch Abbott Osborn Van Vliert PLC XX/XX/XXXX - $ 100 monthly payment to Wetsch Abbott Osborn Van Vliert PLC XX/XX/XXXX Went online to make payment to Wetsch Abbott Osborn Van Vliert PLC. File number was not recognized being in the system. Called Wetsch Abbott Osborn Van Vliert PLC to make an over the phone payment and inquire about my file  number not being recognized. Was informed XXXX XXXX, XXXX to my account back on XX/XX/XXXX. There were no notes in my account as to why. It would be looked into, call back in a few days. 
XX/XX/XXXX Called Wetsch Abbott Osborn Van Vliert PLC about account. They didnt know why XXXX XXXX, XXXX took my account back. I need to call XXXX XXXX, XXXX and setup/make a payment to them as they no longer had it. 
XX/XX/XXXX Called XXXX XXXX, XXXX. Verified they did have my account back. Setup a payment plan of $ XXXX/month and made an immediate payment. 

XX/XX/XXXX Went online to make a payment to XXXX XXXX, XXXX. File number was not recognized by their system. I called and was told the account had been sent back to Wetsch Abbott Osborn Van Vliert PLC. I would need to call Wetsch Abbott Osborn Van Vliert PLC and setup a new payment plan. 

XX/XX/XXXX Called Wetsch Abbott Osborn Van Vliert PLC and they verified they did have my account back. Setup a payment plan of $ XXXX/month and made an immediate payment. 

XX/XX/XXXX {$66.00} monthly payment to Wetsch Abbott Osborn Van Vliert PLC XX/XX/XXXX {$66.00} monthly payment to Wetsch Abbott Osborn Van Vliert PLC XX/XX/XXXX {$66.00} monthly payment to Wetsch Abbott Osborn Van Vliert PLC XX/XX/XXXX {$66.00} monthly payment to Wetsch Abbott Osborn Van Vliert PLC XX/XX/XXXX {$66.00} monthly payment to Wetsch Abbott Osborn Van Vliert PLC XX/XX/XXXX Called Wetsch Abbott Osborn Van Vliert PLC to pay the remainder of my debt. Was informed I owed {$260.00}. I went over the payments I made to both XXXX XXXX, XXXX and Wetsch Abbott Osborn Van Vliert PLC with the gentleman I talked to. I was told that the payment I made to XXXX XXXX, XXXX didnt not follow my account when it was given back to Wetsch Abbott Osborn Van Vliert PLC. That they would need to contact XXXX XXXX, XXXX about that payment. I asked if I could make my monthly payment of {$66.00}. And was told no because I now was putting my account into dispute. I verified that my phone call was being recorded so I could state again that I called to pay the remainder off. That because it is showing a higher amount that what I owe, then they are informing me I am disputing it. Wait a few days to hear back from Wetsch Abbott Osborn Van Vliert PLC. 

XX/XX/XXXX Called Wetsch Abbott Osborn Van Vliert PLC to inquire about my account and what was found. If Wetsch Abbott Osborn Van Vliert PLC had resolved the issue with XXXX XXXX, XXXX so that my account reflected the right amount owed. I was informed that a letter was sent to me on XX/XX/XXXX. With my payment history. As well as asking for a copy of the front and back of the canceled check to XXXX XXXX, XXXX from XX/XX/XXXX. I explained that I didnt use a check to pay XXXX XXXX, XXXX I used debit card automatic withdrawal from my bank account. And that I had proof. I was given an email address and asked if I could email my bank statement to them. That to wait till later in the day of XX/XX/XXXX to call Wetsch Abbott Osborn Van Vliert PLC. To give the paralegals time to receive my email and scan my bank statement into my account. I asked if I could make a payment and was told that I still had time, my due date was XX/XX/XXXX with a 4-day grace period. And hopefully everything will be corrected by then. 

XX/XX/XXXX Emailed bank statement proving I had made a payment to XXXX XXXX, XXXX XX/XX/XXXX, along with the backstory as to why I was sending it. 
XX/XX/XXXX Called Wetsch Abbott Osborn Van Vliert PLC, due to high volume of calls, I was not able to get through to speak to anyone. 
XXXX 8 minutes, 2 seconds XXXX 7 minutes, 54 seconds XXXX 2 minutes, 51 seconds XXXX 9 minutes, 28 seconds XX/XX/XXXX Called Wetsch Abbott Osborn Van Vliert PLC , due to high volume of calls, I was not able to get through and speak to anyone. 
XXXX 6 minutes, 10 seconds XXXX 9 minutes, 25 seconds XX/XX/XXXX Called Wetsch Abbott Osborn Van Vliert PLC . I was told that this was an attempt to collect on a debt, and all calls are recorded. That I owe {$260.00}. I went through the entire back story again. The same story I told on XX/XX/XXXX & XXXX, XXXX. That I did receive the letter. That I emailed Wetsch Abbott Osborn Van Vliert PLC a copy of my bank statement. I was informed that the paralegals and attorneys had gone over my account and that the letter I received was correct. That the letter showed that when Wetsch Abbott Osborn Van Vliert PLC received my account back from XXXX XXXX, XXXX, it shows the correct balance. After going over it a few times and explaining that it does not show my payment to XXXX XXXX, XXXX, that the amount I owe them is not correct. That I had sent in the bank statement I was asked to send in. At that time did she notice that my bank statement was in fact scanned into my account, but it had not been looked at until that moment I made her aware of the email I sent on XX/XX/XXXX. After she concluded that in fact my payment to XXXX XXXX, XXXX does not reflect my actual balance. She told me that she would be sending my account with bank statement back to the paralegals/attorneys for my account to be looked at, and that they would contact XXXX XXXX, XXXX to see why my payment didnt follow my account back. Told to call back in the beginning of the following week. She told me to go ahead and make my monthly payment and she would mark my account as to why it was late. 

XX/XX/XXXX Called Wetsch Abbott Osborn Van Vliert PLC, to inquire about the status of my account. Had XXXX XXXX, XXXX gotten this taken care to reflect the payment that I had sent. I had to go through the entire backstory again. I was told my account had not been looked at by any paralegals/attorneys. That even though they had proof that I had made that payment, it would have to be XXXX XXXX, XXXX to fix my account. And that their next step was that they would contact XXXX XXXX, XXXX about my account. I asked them if it would be done faster if I called them myself. He said probably. 

XX/XX/XXXX Day 22 since initial contact to Wetsch Abbott Osborn Van Vliert PLC to pay the remainder of my debt. I emailed this time line along with all my receipts of payments to Wetsch Abbott Osborn Van Vliert PLC. So they would have all the information as well as payment history to refer to when I call back. 

XX/XX/XXXX {$66.00} monthly payment to Wetsch Abbott Osborn Van Vliert PLC XX/XX/XXXX Called XXXX XXXX, XXXX at XXXX. I told them I was calling due to a debt that I have with them that they had sent to Wetsch Abbott Osborn Van Vliert PLC to oversee. I was told I owed {$130.00}. I explained the entire story to them again. About the missing payment. I was told that a special team was working on my account and that I would need to call back at XXXX EST, to speak to someone about it. 

XX/XX/XXXX Called Wetsch Abbott Osborn Van Vliert, PLC at XXXX. To inquire about my account. I was told that I owed {$130.00}. But my last payment would be {$66.00}. I told the gentleman that I when I hung up with him. I was making one more payment. The {$66.00} and I would not be making anymore payments. 

XX/XX/XXXX I was able to get all 3 credit reports for myself. XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX shows Closed on my credit report. 
Date of last payment XX/XX/XXXX. 
Date of last report XX/XX/XXXX At this time, my last payment was made XX/XX/XXXX. Owing {$130.00} Disputed XXXX, XXXX I didnt call until XX/XX/XXXX to pay the remainder of my debt off. At that time, the gentleman with Wetsch Abbott Osborn Van Vliert PLC continuously asked me if I was disputing the debt. 

XXXX XXXX XXXX, XXXX shows my account is disputed Date of last payment XX/XX/XXXX Date of last report XX/XX/XXXX, Owing {$130.00} XXXX XXXX XXXX, XXXX Shows disputed Date of last payment Doesnt show the last payment I made Date of last reported XX/XX/XXXX, Owing {$130.00} I never disputed the debt as I had been making payments. But I didn't agree with the amount that I owed due to their error.

Company response to consumer: Closed with explanation