We Paid Our Lowe’s Credit Card Debt and Got Our Bank Account Frozen Anyway

“Dear Steve,

I had a Lowe’s credit card balance 700. I was late paying, do to some financial challenges. I borrwoed money to get caught up on debts, went to store and paid balance. Several years later (4) a collection agency sent a letter asking for 1800 dollars, to shelter me and thinking he was helpful, my husband setup arrangements and paid the debt or so he thought. The first agency was taken over or sold to another agency, my husband thinking he paid it all lacked 200.oo of fullfilling the agreement.

Recently I was trying to get a loan for home repairs and it was brought to my attention that a judgement was filed against, in the midst of trying to resolve where and when this was filed, it was the Lowes collection agency. The judge reached out to them thinking they would remove the judgement since it was clearly in error. We spoke with them directly and they acknowledged we paid them and would have to research the previous firm, they said they would call us back. They did not, we tried calling them repeatedly and they would not take the call.

On Friday we found out they have frozen my bank account. When we called them they said they are now demanding 2300 because we lacked paying 200.00

Can they do this and how do they think if someone can’t pay 200 that they can pay 2300? The origianl debt 700 we have already paid the 700 + 1600 = 2300 and now they want us to pay an additional 2300? What is the reasoning and what if anything can we do?”


It sounds like a huge colossal screwup with things crossing in the mail and one party not talking to the other party.

At this point you should contact a consumer attorney that is licensed in your state. They may be able to fight this for you for free and go for damages under the Fair Debt Collection Practices Act.

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I wold suggest you look for an attorney through NACA.net and call them right away. They should be able to quickly get the account unfrozen and help to wind back this administrative mess.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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