on XXXX/XXXX/2015 i settled a debt with Harvard Collection who acted on behalf of XXXX XXXX XXXX. A negotiated amount to settle the debt in full was {$620.00} which was paid. Payment cleared my bank account within 3 business days. At that point the representative, XXXX promised a letter in the mail within 2 weeks showing the balance has been settled and credit reporting within 30-45 business days. As of today, i have not received a letter or this payment has not reflected my credit score. My credit report still shows a balance due on this account which was reported in XXXX 2015. XXXX is falsely billing me and when i settled the debt with Harvard Collection as payment in full. This is affecting me from purchasing a home and after numerous calls to Harvard i am being asked to file a consumer complaint. No one seems to take responsibility of the actions and its not only affecting me financially but emotionally also. It is hidious how companies can abuse consumers in such a manner. Due to divorce i had to let the account lapse but did step up to my responsibility and paid the debt that was settled between Harvard and I. If debt settlement is just a sceme to scam consumers, please let me know so i know in the future to deal with the issues in hand then try to do the right thing. 
I want a letter showing my debt is settled in full and this to be reported to the credit agency so it can reflect my credit. 
