I am disputing a credit balance of {$740.00} currently reflected on my credit reports. 

On XXXX XXXX, 2014, I spoke to XXXX, Employee # XXXX at XXXX XXXX Bank ( now sold to Collection Agency LVNV Funding ) and PAID my account IN FULL in the amount of {$440.00} Confirmation # XXXX. I even overpaid and received a refund check. 

Upon speaking to XXXX, Employee # XXXX, on behalf of XXXX XXXX Bank, the following terms were agreed upon : XXXX XXXX Bank would debit my account {$440.00} on XXXX/XXXX/14. 
XXXX XXXX Bank would ZERO the balance on my account upon receipt of funds. 
XXXX XXXX Bank would provide me with a REFUND check which was received. 
XXXX XXXX Bank would notify all XXXX credit bureaus that my balance is zero and the account is CLOSED. 

Again, my account was debited {$440.00} on XXXX/XXXX/14 Confirmation # XXXX and I received the refund check for the overpayment of {$100.00}. However, my account was NOT reported to the XXXX major credit bureaus as CLOSED and with a ZERO balance. In fact, it was turned over to Collections LVNV Funding LLC in error.