https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/%F0%9D%96%B2pectrum-and-erroneous-collection/m-p/6128238#M628769 <P>File a complaint with the CFPB on both of them, upload your proof of payment.</P> Mon, 07 Sep 2020 14:41:37 GMT gdale6 2020-09-07T14:41:37Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/%F0%9D%96%B2pectrum-and-erroneous-collection/m-p/6128190#M628768 <P>I don't know which forum this belongs in, so hopefully I'm in the right place. I switched from Spectrum last November and I had a small balance. I paid them by phone and thought it was settled. I got a phone call in January from their collections dept requesting payment, they said my last payment didn't go through (not my fault). I paid it...again...and thought it was done. Now in August I get a letter from a collections agency demanding payment. I called 𝖲pectrum and they said I have a $0 balance. I called the collections agency, they told me to send in the bank statement showing it was paid. I submitted the statement and waited. I called them both and they are blaming each other and neither will help me. I have the collection agency threatening to report me to the credit bureaus unless I pay immediately. I refuse to pay it. What can I do? Can I complain somewhere?</P> Mon, 07 Sep 2020 13:08:32 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/%F0%9D%96%B2pectrum-and-erroneous-collection/m-p/6128190#M628768 Anonymous 2020-09-07T13:08:32Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/%F0%9D%96%B2pectrum-and-erroneous-collection/m-p/6128238#M628769 <P>File a complaint with the CFPB on both of them, upload your proof of payment.</P> Mon, 07 Sep 2020 14:41:37 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/%F0%9D%96%B2pectrum-and-erroneous-collection/m-p/6128238#M628769 gdale6 2020-09-07T14:41:37Z