Filmed Entertainment, Inc.

Review: Columbia House was billing me for an account that I didn't know I had and ended up getting turned into collections.

Columbia house was billing me for an account that I didn't know I had. When I was in college I bought some DVD's through Columbia House and I did not know it automatically signed me up for an account. I moved, since I didn't know I had an account, I obviously didn't know I was getting a monthly charge for the account. Who knows how much later a letter was sent to my old address (a family members current address) stating final notice for a balance on an account that will be turned in to collections. This was given to my mother and she paid the balance. I monitor my credit through credit karma and it did not ever show anything I had ever had be turned into collections, but when I was in the process of buying a house this last summer a $22.00 charge showed up on my credit report from [redacted]. After some time on the phone I found out it was from Columbia House. I have a copy of the final notice that I came across showing that a check was sent for the final balance of $74.82 on 1/12/09 which is less than 30 days from the date of the final notice. My old account number according to the final notice is [redacted].Desired Settlement: This $22.00 charge to my credit has already cost me several thousand by forcing me to bye my home FHA. If you are wondering how, I had to put down a premium for using an FHA loan, and I also have to pay mortgage insurance every month since this knocked my credit score too low for me to qualify for a 5% conventional loan. This is the only negative mark on my credit score. All I want is for Columbia house to contact [redacted] and have this taken off my credit report.

Business

Response:

October 8, 2014

Revdex.com

1337 N. Front St.

Harrisburg, PA 17102

Re: Revdex.com Complaint ID [redacted]

Jamie

COLUMBIA HOUSE

DVD CLUB Account #[redacted]

[redacted]

Dear [redacted]:

I am responding to the

inquiry your office forwarded for [redacted].

We have reviewed our records

and located an account for a **. [redacted] using the information provided.

The DVD Club account that we located does not reflect any collection activity.

In order for us to assist in

this matter, it would be helpful if **. [redacted] could forward a copy of the

section of his credit report that pertains to this inquiry. **. [redacted] may send the information via fax

to my attention, at ###-###-####.

Once we receive the

additional information, we will attempt to resolve **. [redacted]’s concerns.

You may contact me at

###-###-#### with any questions. You may also send an e-mail to [email protected].

Sincerely,

Kaitlynne G[redacted]

Correspondence Specialist

Email: [email protected]

Review: A debt of $54 that was not mine was sent to collections and now shows up on my credit report.

Account with collection agency [redacted] LP [redacted]. Unpaid debt on my credit report from Direct Brands/Columbia House. Charges in the amount of $54 were in no way accrued by myself or anyone in my household. I have never done any type of business whatsoever, or received products from Direct Brands/Columbia House or any of their affiliates. I have also never received any type of correspondence from said business in the form of statements, bills or acknowledgement of membership. Furthermore, no payments have been made from my financial institute, nor is there proof of any other form of payment having been made on that account, including the initial introductory payment. They have no signature or purchase agreement, as well as no proof whatsoever of me requesting products or services from them.

They also seem to be playing a " smoke in mirrors" kind of game with their 2 debt collectors - [redacted] LP ([redacted]), and [redacted]. Direct Brands told me I needed to contact [redacted] to file a dispute. When I got in touch with [redacted] they told me that they no longer handle accounts for Direct Brands and that I needed to contact [redacted]. When I called [redacted] I spoke with a representative named [redacted] who said that I do in fact need to file a dispute with [redacted] and then proceeded to give me an address in which to send my letter of dispute. Then I come to find out 2 weeks later, when I get my letter "returned to sender", that the address given to me was incorrect. I double checked my notes from my conversation with [redacted] to ensure I didn't make a mistake while writing their address onto the envelope- which I did not. I [redacted] to compare addresses to see if I misheard [redacted] when he told me the address over the phone- the address they have listed online is completely different then the one I was given.

After a simple Internet search I was able to find many similar complaints from people who had their credit report pulled only to find these unknown collections listed. [redacted] from [redacted] informed me that all acquired late fees on my account had been taken off (as incentive for me to pay I suppose) as they had been across the board for all accounts they held from Direct Brands because of the numerous complaints they were receiving from people calling regarding this unexplained debt on their credit.

This combined with allegations of the fraudulent sale of debt in December of 2008, Class action lawsuit in August of 2011 alleging business practices of unauthorized credit card charges, inability to cancel, unwanted products being mailed to homes, and their poor Revdex.com rating leads me to believe that this company does these types of shady things quite often.Desired Settlement: The 3 credit reporting agencies contacted Immediately to have these debts removed from my credit report

Business

Response:

April 22, 2014

Review: I did not ordered any dvds from these people I have never ordered any thing from them now I was woundering why my credit score was low.

I HAD A COLLECTION ON MY CREDIT FOR $52.00 FROM COLUMBIA HOUSE THAT I DID NOT PURCHASE ANY DVDS.I TRIED LOOKING ON LINE FOR A PHONE NUMBER OR EMAIL DIDN'T FIND ANY CONTACT IMFO.I NEED THIS REMOVE OFF MY CREDIT AND THAT THEY NEED TO BE PROSECUITED FOR THIS.THEN I SEEN OTHER PEOPL ONLINE THAT HAD THE SAME THING DONE TO THEM.THIS ISNT RIGHT.THERES NO TELLING HOW MANY OTHER PEOPLE THAT THEY HAVE DONE THIS TOO AND THAT THEY MAY NOT EVEN KNOW.Desired Settlement: I WANT THIS COLLECTION TO BE REMOVE OFF MY CREDIT REPORT AND TO PAY ME FOR MESSING UP MY CREDIT

Business

Response:

February 26, 2014

Review: I was sent a DVD that I did not ask for or request. I was not given notice that I was being charged for this DVD that was mailed to me.

On 2-5-14 I contacted Columbia House about a DVD that was charged to my bank account in the amount of $28. Because of that charge my account went into the negative and a bill that is scheduled to come out of my account on a certain day was declined and I had to pay an overdraft fee. I spoke with a [redacted] and a [redacted] who works for Columbia House, all they did was keep me on hold and continue to apololgize. I haven't bought anything in over a year from them nor do I received emails about new movies because their prices a crazy. I can get the same DVDs at [redacted], [redacted], [redacted], or [redacted] for $10 cheaper. I previously asked them to cancel my account, that is why I assumed I stopped getting emails and letters. Out of the clear blue on 2-5-14 I get a email from my bank about the $28 charge. When I contacted Columbia House, they said they see on my account (that should have been canceled) I haven't purchased anything in over a year. I asked why my account was still open, they couldn't give me an answer. [redacted] and [redacted] said I will only get a refund when I send the Dvd back that I did not ask for. They said the DVd is processing and haven't left the warehouse so they can't stop the order. If it hasn't left the warehouse why can't they stop the DVd that I didn't ask for from leaving. I have had bad experiences with the post office (late mail, mail that doesn't show up at all, carriers giving my mail to someone else) so I will have to wait for the DVd to come and then send it back in order to get a credit to my account. What if I never receive the DVD, what happens then? I was told that after I send the DVD back, it will take 3-5 days to receive a credit. In the mean time I have to pay for an overdraft fee that wouldn't have happened if Columbia House wouldn't have sent me a DVD that I didn't ask for and from an account that should have been canceled.Desired Settlement: I would like a refund for the DVD and payment to cover the overdraft fee that would not have happened if Columbia House wouldn't have sent the DVD in the first place.

Business

Response:

February 25, 2014

Review: Did not order a DVD. They sent a DVD & requested payment & are threatening additional charges. Cannot contact them. They do not answer customer service phone- always a busy signal. Do not respond to e-mails.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

Cancel the charge of $27.50 & further contact with them. No DVD was ordered. Don't know why they sent it & are charging. This is a scam company according to reviews.

Business

Response:

October 29, 2013

Review: Sometime in early May 2005 I received an email to join COLUMBIA HOUSE TO BUY DVD'S MUSIC ETC. but we never bought any products from

the vendor. We received several EMAILS advertising or promoting their products. At no time did we ever recieve any terms and conditions that

would require us to purchase 4 dvd as a requirement of doing business with these people. I just went on my account @ IDENTITY GUARD COSTCO

and found that my credit score had suffered a downgrade due to COLUMBIA HOUSE reporting that we owed $90.oo even though we DID NOT

PURCHASE ANYTHING. I CALLED COLUMBIA and spoke with a supervisor who informed me that she could not help us in reversing the ridiculus

rules of penalizing the customer if he does not purchase product. I did not receive any collection notices nor were any attemps made to make me

aware of their intentions to penalize us for not buying their products. They simply are trying to damage my good reputation.Desired Settlement: THAT THEY CALL THEIR CREDIT BUREAU AND ADVISE THEM THAT WE DID NOT PURCHASE ANY PRODUCTS AND THEIR COLLECTION OF

$90.00 IS UNWARRANTED AND UNFAIR AND THAT NO EFFORTS WERE MADE ON THEIR PART TO PROPERLY EXPLAIN THEIR INTENTIONS

OR PRESENTING US WITH A BILL. NO COMMUNICATIONS WITH RESPECT TO THIS MATTER

Business

Response:

February 27, 2013

Review: On my credit report I owe Columbia house dvd club and [redacted] it the debt collector. No one has my bill info

I pulled my credit report and it states that I owe Columbia house dvd club $64. The credit company handling the charges is [redacted] agency.The bill is from Sept 2012. I called [redacted] so I could have it removed from my report and they said they do not handle Columbia house accounts. I called Columbia house and they do not show I owe anything, so I asked for credit companies they deal with and I received three numbers. The first one did not have my account, the second number was disconnected and the third one keeps saying to call back later. This is in my old name and address and the bill was occurred When I had been married a full year. Someone else must of used my name at my old address to get dvds or this is a complete scam. How do I remove a bill I do not owe from my credit report?Desired Settlement: I would like this bill to be removed from my credit report since I never made the bill. If I am mistaken I would like to know who I can contact to pay the bill.

Business

Response:

October 28, 2014

Revdex.com

1337 N. Front St.

Harrisburg, PA 17102

Re: Revdex.com Complaint ID [redacted]

[redacted]

[redacted]

[redacted]

Dear [redacted]

I am responding to the

inquiry your office forwarded for [redacted].

We are unable to locate a COLUMBIA

HOUSE DVD CLUB account for [redacted]’ with the information provided.

It would be helpful if [redacted] would please provide us with any previous addresses or names that she may

have used. In addition, please ask [redacted] to fax a copy of that section of

her credit report to me at ###-###-####.

As soon as we receive

additional information, we will undertake further research regarding [redacted]’ inquiry.

You may contact me at

###-###-#### with any questions. You may also send an e-mail to

[email protected].

Sincerely,

Brooke K[redacted]

Correspondence Specialist

Email: [email protected]

Review: A collection entry was made on January 2013 on my [redacted] credit bureau account listing a collection item. I filed a dispute on line on January 22, 2013. On March 7, 2013 I received a collection call in regard to this listing. The representative said that the problem is that a contract was not cancelled. We had cancelled the contract because we were receiving music CDs we did not order. All the CDs were returned with a signature required upon receipt. That was 8 years ago. My husband has died and I have moved and I do not need this kind of problem with my credit history.Desired Settlement: Perhaps the Revdex.com could alert the Credit Bureaus of this kind of business practice and I found multiple complaints against this company on the internet. We had cancelled the contract.

Business

Response:

April 3, 2013

Review: I Ran my credit report and Columbia House DVD was on it for $133. I have

I Ran my credit report and Columbia House DVD was on it for $133. I have never had an account with them EVER!Desired Settlement: I just want this Columbia House DVD to be removed from my credit report please. I don't think that it is fair to pay for something I never intentionally ordered.

Business

Response:

November 7, 2013

Review: Columbia House failed to cancel/close account as I requested and then proceeded to bill for ite** not requested/received.

Account # [redacted]

I e-mailed customer service in late August, early September 2013 to fully terminate my account.

Customer Service responded on 9 September with acknowledgement and stated that they had cancelled my DVD Automatic Shipment Membership and that I no longer needed to respond to any solicitations made by them.

On 23 September I e-mailed customer service to inform them that I had received another solicitation from them on 19 September. I again requested full termination of my account and that I will not be held liable or accountable to pay for any ite**.

On 30 Novebmer I received a bill from Columbia House that stated the amount was past due from October. I e-mailed Columbia House of this for I had not received anything and my account was terminated in September.

On 3 December customer service responded stating that they had a tracking number to show that the package was received. They stated that I could return the item and then receive credit.

On 4 December, I e-mailed again to reiterate the sequence of events to include their statements that ite** would not be automatically shipped and my statements that I will not be held accountable or liable for any shipments. I have not received anything from Columbia House since my account termination was requested in late August/early September.

As of today, 2 January 2014, Columbia House continues to show a balance owed to them.Desired Settlement: The balance removed in FULL under my name with no association to owing anything to Columbia House or any of its affiliates.

Business

Response:

January 14, 2014

Review: Cancelled account with them 2 years ago, they reactivated the account and are billing me for items I can't return.

Cancelled (through email) my account 2 years ago and haven't had any sort of interaction with them for 2 years. Randomly get a DVD mailed from them a week ago along with a bill for that DVD cause I failed to decline their member selection. I didn't reactivate the account, nor do I want the DVD. When I email them I get no reply...Desired Settlement: I want my account permanently deleted. I don't want to be at all associated with any thing Columbia House. I don't buy DVDs any more. I don't want monthly emails. I don't want any service they provide and I want to return this DVD and not get taken to collections for a product I refuse to pay for.

Business

Response:

October 10, 2013

Review: I recently pulled a copy of my credit report and seen this company. I reported that I have no history nor information with company.

After pulling my credit report and seeing this false collection I attempted several times to contact this company to solve this 53 dollar mistakes on their behalf. After multiple failed attempts I'm reaching out to the Revdex.com to help resolve this issue before I progress to representatives to handle this error. I have never received any DVD's or "ANY" other merchandise from this company let alone signed any contract or agreement to pay these funds they claim I owe. The [redacted] credit agency claims the account number to this debt is [redacted] and was closed in June of 2009. For the record in January 2009 I was enlisted into the U.S. Army basic training program and after completing my training I was immediately put on orders to complete A.I.T. and completed in November 2009.This false negative debt has not only kept me from several needed loans but has also prevented me from certain career opportunities. I believe this company is not only scamming people to make them believe they owe small debts but a disgrace to society for collecting debts not even owed to them from people incapable to fight this scam then rather taking a easy way out and paying.Desired Settlement: I would like this collection DELETED immediatly from all credit report agencies.

Business

Response:

March 26, 2013

Review: RECEIVED A BILL FOR $161.75 BACK IN MARCH OF 2014 AFTER THE AMOUNT HAD ALREADY BEEN PAID, THEY CLAIM THERE WAS A SYSTEM ERROR AND I WAS NEVER CHARGED

I CALLED THEM IN MARCH OF 2014 AND TOLD THEM THEY HAD INDEED BEEN PAID I EVEN CONTACTED MY BANK AND THEY CONFIRMED THAT THEY HAD BEEN PAID AND I EVEN SENT THEM A COPY OF MY BANK STATEMENT SHOWING THE $161.75 HAD INDEED BEEN DEDUCTED FROM MY ACCOUNT, THEY THEN CLEAR THE CHARGES AND MARKED ME AS PAID, I CANCELED MY 12+ YEAR ACCOUNT WITH THEM AFTER THAT BECAUSE I SEE THE ARE NOT AN HONEST COMPANY AND SEND OUT STUFF YOU CANCEL ANYWAY AND CHARGE YOU FOR IT, YOU END UP HAVING TO SEND IT BACK AND WAIT FOR YOUR REFUND, THIS ALL STARTED WHEN THEY CLOSED DOWN AND REOPENED AND CHANGED EVERYTHING, THEY HAVE HAD THE WORST CUSTOMER SERVICE EVERY SINCE AND NOW ON 9/11/14 THEY SEND ME ANOTHER BILL FOR THE SAME $161.75, THIS IS OUTRIGHT HARASSMENT AND FRAUD AND I WILL NOT PAY FOR SOMETHING TWICE AND WILL ELEVATE THIS TO THE FRAUD CENTER IF NEED BE, THE BILLING SUPERVISOR ON THIS BILL IS STEVEN M[redacted]Desired Settlement: TAKE ME OFF OF THEIR IOU LIST BECAUSE I DID INDEED PAY MY BILL AND HAVE ALWAYS DONE SO AND SENT COLUMBIA HOUSE DVD CLUB THE BANK STATEMENTS TO PROVE IT BACK IN MARCH OF 2014 AND GO FIND SOMETHING BETTER TO DO WITH THEIR TIME OTHER THAN HARASSING INNOCENT PAYING CUSTOMERS THAT DON'T WANT TO BE BOTHER WITH THEIR COMPANY ANYMORE

Business

Response:

[redacted]

Review: I contacted Columbia House to cancel membership. They said it was canceled but still send me DVD sets I DID NOT order and do not want, they cost $50.

I contacted Columbia House a few months ago to cancel my membership. It took nearly a month for them to answer my e-mail. I went to [redacted] and contacted them there to cancel my membership. They said they would do it (on FB and in e-mail). About 2 months later I got a DVD set (a full season of NCIS, $50) that I did not order. I called to complain and they told me that my account was still active so I asked again that they cancel it. I paid for the set out of fear that they would claim they didn't get it back. A about 2 months went by and today I got another DVD set that I did not order (season 1 of Elementary, $50). I still fear they will come after me for money that I don't owe so I guess I'm stuck paying for this too. I demand that they end my membership and stop sending me DVD sets that I never asked for. I demand that they do that NOW. I don't want any more DVDs and they should not be sending them to me since my account is supposed to be canceled.Desired Settlement: Stop sending me DVDs, cancel my membership and remove my name from any and all mailing lists.

Business

Response:

November 27, 2013

Review: A preauthorized debit on my card for a dvd 1/31/14 has not been returned even if the dvd was at the cost of $27.56.

I have called numerous occasions and they told me the funds have been released back into my bank acct. Everytime I check and it is not there, I call them back and they tell me they were not released right as they should have been back into my acct. and that it will be taken care of. I have called at least 5 times about this and I am very frustrated that they will not return my money after I have returned their tape on 2/4/14 and they have told me they received it. Please help me get my money back.Desired Settlement: I want my refund and then to close my acct. with them. I have been a good customer for more than 5 or 6 yrs. and this is the first time this has happened, but business should be taken better care of then this. Please get me my money back that was not preauthorized in the first place.

Business

Response:

I am responding to the inquiry your office forwarded for **. [redacted].

Upon review, our records show that when **. [redacted] enrolled in COLUMBIA HOUSE DVD CLUB on February 9, 2012, she selected the credit/debit card payment method which authorized us to apply all future orders and charges, including Director’s Selections, to the [redacted] she provided.

**. [redacted]’s membership was established as an “online membership.” Members who select this method of communication receive an email each month, announcing the Director’s Selection with a specific “reply by” date. Unless we receive a response declining the Director’s Selection by the specific date, we send the Director’s Selection automatically.

Since we have no record of receiving responses from **. [redacted], a Director’s Selection was automatically shipped to her on July 27, 2013. We charged $24.38 to the [redacted] on file. **. [redacted] returned the selection on September 9, 2013. On September 17, 2013, we applied a credit of $24.38 to **. [redacted]’s [redacted]. Our records show that we erroneously applied an additional credit of $24.38 to the [redacted] on September 17, 2013, even though another credit was not due to **. [redacted].

We automatically shipped another Director’s Selection to **. [redacted] on January 26, 2014. We charged $27.56 to the [redacted]. **. [redacted] returned the selection on March 21, 2014, at which time we applied a credit of $27.56 to **. [redacted]’s [redacted].

If **. [redacted]’s bank or credit card statements do not reflect these credits, please have **. [redacted] let us know.

We have closed **. [redacted]’s COLUMBIA HOUSE DVD CLUB account with a zero balance.

You may contact me at ###-###-#### with any questions. You may also send an e-mail to [email protected].

Sincerely,

Correspondence Specialist

Email: [email protected]

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Review: [redacted]I am rejecting this response because: They lied. However, they did refund my acct. I never preauthorized the Director's selection and answer all my emails with them and have in the last year declined. At first they credited my acct., but then took it back out until after the tape was mailed back to them. They kept telling me they accredited my acct. and I kept telling them to put my money back in my bank acct. Until I contacted you, they kept giving me the run around. However, after contacting you, they paid me by putting my money back in my acct. on March 24th. Thank you for your actions.Regards,[redacted]

Review: Because of them my credit score is very low. I do not owe them anything. I paid them a few years ago. I would like my name removed from collections

There is a collection charge on my credit report stating that I owe $112. It has to be about 8 to 10 years that I have done business with this company and I don't owe them any money. I am trying to get my credit up to par and because of this so called debt I can't. I cannot give dates or time because that does not appear on my credit report. I would like this issue resolved please.Desired Settlement: I am seeking for this account to be zeroed out and my name out of collections

Business

Response:

November 7, 2013

Review: UNATHORIZED CHARGES FROM COLUMBIA HOUSE TO MY [redacted] ACCOUNT.

On 30 Oct 2013, Columbia House charged my [redacted] account in the amount $27.94 for DVD'S I NEVER ORDERED. Prior to this unauthorized charge, I called and sent email to Columbia House requesting my account be cancelled. Columbia House has not replied to date.Desired Settlement: I DO NOT WANT COLUMBIA HOUSE CHARGING MY [redacted] ACCOUNT FOR UNAUTHORIZED PURCHASES.

CANCEL MY ACCOUNT ASAP

Business

Response:

November 6, 2013

Review: In agreement with their policy, I had 104 bonus points/credits, I do not have any more, and refuse to credit me.

At the end of June of this year, according to their agreement when I signed up, I had 104 bonus points/credits ( $104.00 dollars), which may be used for purchase of merchandise. Their website was reorganized the 1st of July, and they removed my bonus points/credits. I have contacted them by e-mail several times, and was informed they would be placed back in my account early fall, which they have not done. I would like to close this account, but they have $104.00, or bonus points that they refuse to credit to me. My account # is [redacted]. The last e-mail was from [redacted] at customer service on 10/15.Desired Settlement: I would like them to credit my account the bonus points or credits, but apparently they are not going to; therefore, I would like a refund of $104.00 and to close the account.

Business

Response:

October 29, 2013

Review: I've not been refunded after they have promised time & time again.

On July 7th, 2014 I received a Director's Selection that I did not order. I checked my credit card & was billed for it on July 3. On July 8 I returned it to post office unopened. I've never received my refund. I've called 6 times & they keep saying they are refunding my money to my credit card. They keep telling me it will take 4 to 5 business days. The last person I talked to said 7 to 10 business days. Still nothing. I've been a great customer & always pay my bill. I don't understand why they won't refund my money. I can't remember the first person that I spoke with but the other people that I've spoken with are Mario, Kay, Mike F[redacted], Kaily & Jessica.Desired Settlement: I just want my money back. It's not even very much. The total refund amount is $35.83.

Business

Response:

October

28, 2014Dear [redacted]This is in response to the inquiry your office forwarded regarding [redacted].We are currently researching [redacted]’s account and gathering information. We will send our response as soon as possible.If you have additional questions, please contact me at ###-###-#### or send an e-mail to [email protected]. Sincerely,Brooke K

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: Never ordered from the company

I have not ordered from COLUMBIA HOUSE, since the 1990's. I have always paid my bill. Now I have on my credit report a $120.00 claim, from 2012. I have never ordered from them. Like I said in the 1990's. After that I never had a membership. I felt they were to expensive. I do not understand this $120.00 on my credit report. Since I never had a membership in 2012.Desired Settlement: I want the $120.00 off my credit report. I never had a account with COLUMBIA HOUSE in 2012.

Business

Response:

August 5, 2014Dear [redacted]:I am responding to the inquiry your office forwarded for [redacted].Our records indicate that a COLUMBIA HOUSE DVD CLUB account was opened in [redacted]’s name on December 28, 2007. We shipped an enrollment order to the address on the account ([redacted]) and charged $5.00 to the account for that shipment. We also added 2 late fees, at $3.00 each, to the account in accordance with our delinquent payment policies, when the balance remained unpaid.The purchase commitment associated with this membership was to buy 5 DVDs at regular Club price within 1 year of enrollment. When the purchase commitment was not fulfilled within the specified time period, we added a charge of $109.70 to the Club account. This amount represents the cost of the 5 DVDs remaining in the purchase commitment, plus shipping and processing charges and tax.Since the balance of $120.70 remained unpaid, we placed the debt in collections with Receivables Performance Management (RPM).We have contacted RPM and instructed that they close their file, cease collection efforts and remove any adverse information from [redacted]’s credit report. RPM has confirmed that the account is closed and that they have taken steps to remove information regarding this account from [redacted]’s credit report.We have also closed this account in our records with a zero balance.We trust this resolves [redacted]’s concerns.You may contact me at ###-###-#### with any questions. You may also send an e-mail to [email protected],Kaitlynne GCorrespondence SpecialistEmail: [email protected]