Write-Offs

[vanessa]

I went through a debt relief program with a credit card holder. I paid all the payments on time. I noticed about two months before the payment arrangement was all done the amount owed was higher than the total of the my final two payments owed. I called them and was informed they made a mistake in their calculations. My final payment would need to be $63 more and that would pay the account off in full.

I made the last payment as agreed and on time, as with the rest of my payments. There is still a balance albeit a small one, but nevertheless, I am frustrated because I have done everything they have requested. I feel like we entered an agreement and they aren't keeping up their end. I am being told if I don't pay the final amount, they will write it off and they will damage my credit further.

I don't feel it should be written off because all along I have been told my payments would pay the account off in full. The representative and manager I spoke to says my payments have paid the account in full, but there is this final balance. This doesn't make sense to me. Paid off in full means zero balance.

I want to know what should I do from here. I am sick and disgusted with them at this time.

Thank you

[admin]

It could be leftover interest, but without the specific knowledge of what they are doing, it's difficult to say what's going on for sure.

What are they telling you about the balance?