Consumer complaint received 2023-08-25
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, XXXX XXXX  XXXX, XXXX attempted to contact me regarding an alleged debt that was incorrectly claimed to be owed. As per 15 U.S. Code 1692g, this constitutes my response within the stipulated 30-day timeframe, along with my formal complaint as outlined below. I wish to emphasize that the legal precedent set by Heintz v. Jenkins mandates that law firms must adhere to the same FDCPA Laws as debt collection agencies. 

XXXX XXXX XXXX, XXXX stated that Crown Asset Management LLC is the alleged owner of this alleged debt. Notably, Crown Asset Management LLC has never sent me a 15 U.S. Code 1692g letter. This absence of proper communication violates 15 U.S. Code 1692g and such non-compliance will not be tolerated. Crown Asset Management LLC you have violated the FDCPA law ( 15 U.S. Code 1692g ).

Secondly, 15 U.S. Code 1692c ( a ) specifies that a debt collector can not communicate with a consumer regarding debt collection without the consumer 's prior consent or express permission from a court with appropriate jurisdiction. At no point have I granted permission to Crown Asset Management LLC & XXXX XXXX XXXX, XXXX to contact me in relation to an alleged debt that is inaccurately attributed to me. It is important to note that discussing an allegedly incorrect debt is never opportune. Moreover, the implication by Crown Asset Management LLC & XXXX XXXX XXXX, XXXX that I engaged in business with their company is wholly untrue. To substantiate this, I request a visually signed contract bearing my signature that demonstrates my consent for them to conduct business concerning this alleged debt. 

Thirdly, I am concerned that Crown Asset Management LLC & XXXX XXXX XXXX, XXXX possess my personal information without obtaining my explicit consent. I seek clarification on how they acquired this information for the alleged debt that is in dispute. This action is a violation of 15 U.S. Code 1692b. 

Fourth, I demand that Crown Asset Management LLC & XXXX XXXX XXXX, XXXX prove the existence of the alleged account through a process of verification. " Verification, '' as defined in Black 's Law Dictionary ( 4th Ed. ), pertains to confirming correctness, truth, or authenticity through means such as affidavits, oaths, or depositions. In accordance with this, I require the following : 1.A signed and valid contract incorporating the alleged terms. 
2.A Chain of Assignment detailing the history of alleged account possession. 
3 A comprehensive Sum Certain, illustrating the calculation of the alleged amount.

4. Alleged Monthly statements.

5. Alleged signed cardholder agreement.

6. The fully executed Alleged original purchase agreement relating to the alleged account. 

I hereby demand that Crown Asset Management LLC & XXXX XXXX  XXXX, XXXX close this file within their offices. Furthermore, I insist that they refrain from reporting any information to credit bureaus. Failure to comply with the aforementioned requests will prompt me to seek legal counsel. In such a scenario, Crown Asset Management LLC & XXXX XXXX XXXX, XXXX will be held accountable under 15 U.S. Code 1692k for their FDCPA violations.

Company response to consumer: Closed with explanation