I received a notice that my private JP Morgan Chase student loan was being moved to XXXX ( XXXX. At the time I paid my account ahead before it was moved. My first bill from AES had a XXXX balance. My second bill, slipped my mind and I paid it 3 days late ( I paid over double what I owed for the month ). My payment was due on the XXXX, and I paid on the XXXX. 

Yesterday XXXX/XXXX/15 I received a collection letter from the XXXX XXXX, in the amount of {$15.00}. 
XXXX Ref # XXXXCreditor : JP Morgan Chase Bank , N.A . 
Loan Balance : $ XXXXPast Due : $ XXXXI called Chase to verify why I received a collection letter and they said they would have to connect me to XXXX. I called XXXX and the XXXX XXXX, and was told that the collection letter that the XXXX XXXX sent was not really a collection letter, but an attempt to " reach out '' for me to make a payment and that it would not go on my bureau. 

The collection letter was actually sent on XXXX XXXX, 3 days after they had received my payment, and I was current at the time. 

I feel that this letter was an attempt to harass or scare me, which it did. I work hard to keep my credit bureau clean and this was a very distasteful way to contact me about a payment that was just 3 days late. Furthermore, I did not receive a phone call for being late, rather the collection letter was automatically sent per the agents I discussed the matter with at the collection agency and XXXX. 

My university was XXXX XXXX, in XXXX, Indiana