Consumer complaint received 2021-07-02
Company: Servatus Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, am a natural person and my place of abode is my location information as that term is defined by 15 USC 1692a ( 7 ). 

I am a consumer as that term is defined by the FDCPA and RFDCPA. 

Credit Solutions Corp is a debt collector as that term is defined by 15 USC 1692a ( 6 ). 

I understand my rights as a consumer and know that Congress has enacted federal laws to protect me as a consumer. I have created this affidavit to put you on notice about the abusive debt collection practices of your company pursuant to 15 USC 1692a ( e ) and make you aware that you have invaded my individual privacy under 15 USC 1692a. 

Credit Solutions Corp is attempting to collect an alleged consumer debt from me. 

On XX/XX/2017 I sent Credit Solutions Corp a request for validation of this alleged debt pursuant to 15 USC 1692g. 

On XX/XX/2017, Credit Solutions Corp responded to my written request but violated 15 USC 1692 ( a ) by failing to include the five required pieces of information that shall be included in written communication pursuant to 15 USC 1692g ( 1-5 ). 

Credit Solutions Corp violated 15 USC 1692g ( 3 ) of the FDCPA by failing to include a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 

Credit Solutions Corp violated 15 USC 1692g ( 4 ) of the FDCPA by failing to include a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 

Credit Solutions Corp violated 15 USC 1692g ( 5 ) of the FDCPA by failing to include a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Credit Solutions Corp violated 15 USC 1692b ( 5 ) of the FDCPA by use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, when Credit Solutions used a logo in Exhibit B, Exhibit B page 2, and Exhibit D. 

Credit Solutions Corp violated 15 USC 1692e ( 2 ) ( A ) of the FDCPA by falsely representing the character, amount or legal status of any debt, when Credit Solutions Corp falsely represented the alleged debt by stating that I have a positive balance of {$1400.00}. 

Credit Solutions Corp violated 15 USC 1692e ( 2 ) ( A ) of the FDCPA by falsely representing the character, amount or legal status of any debt, when Credit Solutions Corp falsely represented the alleged debt, when Credit Solutions Corp stated that XXXX XXXX XXXX XXXX is the original creditor. 

Credit Solutions Corp violated 15 USC 1692e ( 10 ) of the FDCPA by use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer, when Credit Solutions Corp alleged that I owe {$1400.00} but sent a copy of a payday loan for {$430.00}. 

Credit Solutions Corp violated 15 USC 1692f of the FDCPA by using unfair or unconscionable means in connection with the collection of an alleged debt, when Credit Solutions Corp engaged in the foregoing conduct.

Company response to consumer: Closed with explanation