I received a final statement from XXXX XXXX XXXX XXXX, XXXX via USPS mail on Saturday, XXXX XXXX, 2016. The notice was dated XXXX XXXX, 2016 and had been mailed an old address. Monday, XXXX XXXX, 2016 I contacted them via the phone number listed in the letterhead, explained I received the statement, needed to change my address, and would have the first of four installment payments in the mail soon. 

According to the document one option of payment was to make " 4 equal interest-free installments '' and " The 1st payment due within 30 days of receipt of this statement ''. I put the first of four checks in the mail Monday, XXXX XXXX, 2016, also including a photocopy of the lower half of the letter with my signature as instructed in the document. 

No additional correspondence had been received from XXXX XXXX XXXX Associates prior to Tuesday, XXXX XXXX, 2016, so I mailed the second of four installment payments to the same address, with documentation as required. The following day I received a letter in the mail from IC System debt collectors, XXXX XXXX, MN, dated for XXXX XXXX, 2016, stating XXXX XXXX XXXX XXXX had sent my account to collections for delinquency. The amount of debt attempting to be collected was the original amount owed, minus the check XXXX XXXX XXXX XXXX had cashed on XXXX XXXX, 2016. 

I called XXXX XXXX XXXX Associates the next business day, Thursday, XXXX XXXX, 2016 and asked to speak to a supervisor. I spoke with a gentleman named XXXX, who confirmed my paperwork and check had been posted to my account on XXXX XXXX, and cleared XXXX XXXX, 2016. He said I would need to talk to the collections XXXX, XXXX, to further clarify the situation but she was " out of the office ''. I informed XXXX that I had already put the second installment payment in the mail, and left my name, account and contact information and asked my call please be returned ; it was not. XXXX also told me they would contact the debt collector on their behalf and explain the mix up ; they did not. 

Monday, XXXX XXXX, 2016, after no contact had been initiated by XXXX XXXX XXXX XXXX, I again called the office, was told XXXX was " not in the office '' and they had not received my check. I again told them I wanted my call to be acknowledged and returned. I contacted the debt collector who confirmed XXXX XXXX XXXX XXXX had made no attempts to rectify the misunderstanding, and it was suggested I dispute in writing with supporting documentation or my bad debt would by reported to credit bureaus on XXXX XXXX, 2016. 
