Cont’d attempts collect debt not owed

Posted on Posted in Complaints, Debt collection

review

On XX/XX/XXXX I got a call from XXXX and they said they collecting for American Credit Adjusters okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say – we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called National Credit Adjustors, and ask why was this reported XXXX when we paid it in XX/XX/XXXX!! All they said was sorry we will updated the balance to {$0.00}! No I said I need it removed. She said sorry we do n’t do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.

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