XXXX XXXX XXXX purchased my debt from Capital One in the amount of {$300.00}. The amount that XXXX XXXX XXXX is charging me is {$450.00}. XXXX and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with XXXX they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.