Oh, this doesn't seem right, then.

"She paid off 25K and the remaining 25K was transferred to New Credit America"

Okay, who did she pay the first part to, and how was the remaining transferred to NCA, and which part(s) was that, and is there a contract or agreement which shows she agreed to borrow from NCA to have the payments made to those companies, and then she repaid NCA; or? This is getting hard to follow over an internet discussion.

Perhaps NCA never sent the payment to the card companies. Perhaps they have her account complete-and-closed documentation and never sent it to her. Perhaps, perhaps, perhaps.