This account was paid Contacted XXXX XXXX twice for payments arrangements they ignored my requests before it went to collections Contacted collection agency and informed them that I had contacted XXXX XXXX twice to set up payments and was ignored and I would be sending payments directly to XXXX XXXX I started making payments XX/XX/XXXX and paid off the account in XX/XX/XXXX I paid {$50.00} monthly This account should have never been a collection/charge off I made a good faith offer to pay this bill prior to them charging it off I became unemployed but still tried to pay this bill when I fell behind in payments XXXX XXXX ignored my requests I wrote to them and was ignored