Product: Debt collection

Date : XX/XX/year> Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Email : XXXX Phone : XXXX Debt Collector : AmSher Collection Services , Inc . 
Debt Collection Account Number : XXXX Summary of Complaint : I am filing this complaint to bring to your attention the actions of AmSher Collection Services , Inc., which I believe violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite submitting a formal debt validation request, AmSher has continued to contact me and engage in collection activities, disregarding the legal requirements of the FDCPA. 

Key Details : XX/XX/year> : I received an email from AmSher regarding an alleged debt related to my XXXX account. Upon receiving this email, I decided to formally dispute and request validation of the debt, as I do not acknowledge it and wanted proper documentation before any further action. 

XX/XX/year> : I uploaded a formal Debt Validation Request in the form of a XXXX through AmShers website dispute portal. This letter explicitly requested validation of the debt, along with specific information including proof of ownership, a breakdown of the debt, and documentation of my consent to receive communications from AmSher under the ESIGN Act.

Same Day XX/XX/year> : Despite my clear request for debt validation and halting collection activities, AmSher immediately contacted me via phone and text. They did this the same day I submitted my dispute. I spoke to a manager who acknowledged the validation request but stated they had already sent some information on XXXXXX/XX/XXXX, prior to my formal request. This contradicted the timeline of my submission, as my validation request was only sent on XX/XX/XXXX. The manager then admitted that they received my request " around XXXXXXXX XXXX '' on XX/XX/XXXX but had already contacted me via phone and text, which constitutes a violation of the FDCPA, as they should have halted all collection activities until they responded to my dispute fully. 

Continued Collection Activities : Despite submitting a valid request, AmSher continued to contact me for collection purposes on the same day. I explicitly requested that they validate the debt and provide specific documentation, which they failed to do. This is a clear violation of my rights under the FDCPA. 


Violations : 1. Failure to Cease Collection Activities After a Debt Validation Request : AmSher continued to contact me via phone and text after I submitted a formal debt validation request on XX/XX/year>. This constitutes a clear violation of the FDCPA, which requires that all collection activities must be paused until the debt is properly validated. 


XXXX. Failure to Provide Full Validation of the Debt : AmSher claimed to have sent information on XX/XX/XXXX, but this was before my formal request. I still have not received the detailed information and documentation that I requested in my letter, which includes proof of ownership, a breakdown of the debt, and documentation of my consent to receive communications. 


I have attached the following documents for your reference : 1. My Debt Validation Letter ( XXXX ) submitted to AmSher. 


XXXX. Copies of the email and text communications from AmSher.

3. A record of my call with the manager, detailing their acknowledgment of my request and their improper contact afterward. 



I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/year>