Zombie Debt Collection Defense

Summary

If a debt collector freezes your account over a paid debt, provide proof of payment. Contact the collector and file a complaint with the CFPB if unresolved.

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Zombie debt collector froze my account based on a paid debt
Do you have any proof of payment for this debt? It's crucial to keep records of paid debts to avoid such situations.
I do
Great, ****. You should contact the debt collector with your proof of payment. If they don't resolve it, you can file a complaint with the Consumer Financial Protection Bureau.
Thank you
You're welcome, ****. If you need further assistance, feel free to ask.