Clarifying collections

fivetwosix, Hi there! Thanks for reaching out.  I can definitely understand how frustrating and confusing that situation must be, especially when you’re getting mixed messages from different places. In some cases, this kind of contradiction can happen if there’s still a legacy flag or internal note on the account from before it was closed, even if the final balance shows $0. Sometimes third-party collection systems or older records don’t immediately reflect updates made after an account is settled or canceled. If a phone representative has already confirmed that there’s no balance due and disputed the collections flag, that’s a really good sign that things are being addressed. To be safe, I’d recommend asking for confirmation in writing or requesting that the account be fully cleared/updated across all systems so there are no future collection attempts. If you’d like, we can also help take a closer look at the account status and make sure everything is aligned so you have peace of mind. Let us know how you would like to proceed.