Consumer complaint received 2023-01-03
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I filed complaint # XXXX regarding Capital Account 's repeated harassment at work, intimidation, and misrepresenting themselves as agents of the US government to senior citizens regarding an alleged debt that I owe. Additionally, they have now as of XX/XX/XXXX fraudulently reported this unobligated debt to the credit reporting agencies without advanced consumer notice or providing me the opportunity to review the claims as they promised I would be able to. 

For context, I wrote to XXXX  accounts on XX/XX/XXXX detailing my disputing of the debt, request of notification if the unobligated debt is to be reported to any credit reporting agencies, as well as highlighting that the debt is disputed, in addition to filing my first complaint with CFPB. Email text provided below for context ; XXXX  Accounts has yet to respond to my consumer inquiry for over XXXX weeks. 

As you can see via the XXXX Account response to complaint # XXXX, they falsely decline calling both myself and elderly relatives ( even though this is proven via cellular work phone records ), and state that they " ... will request an itemization of your account from your original creditor. Once received, we will forward that to you at the address you provided on your correspondence here. '' This was never provided, and XXXX Accounts proceeded to file false information with the credit bureaus. 

Since XXXX  Accounts is repeatedly acting illegally in bad faith, has elevated harassment to a level that has negatively affected my credit score without a proper chance for consumer validation of alleged debt, and continues to operate outside of legal collection laws, I am requesting the CFPB 's assistance again to have XXXX Accounts remove the false debt obligation from the credit bureaus until such time that they can provide proof / detailed documentation / receipts of any alleged debts owed so I have the opportunity to share with my attorney and dispute. 

XX/XX/XXXX email to XXXX  Accounts at " XXXX '' " Dear XXXX  Accounts, I am responding to your contact about a debt you are attempting to collect. You contacted me by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. In addition to continuously calling me at my work number which does not allow personal calls, you also contacted several of my associates misrepresenting who you were, misstating alleged amounts owed, and harassing family members. 

Please stop all communication with me and with this address about this debt. I have contacted the Consumer Financial Protection Bureau and reported your company 's harassment, including my phone records from work that you are unauthorized to call, and harassing senior citizens while misrepresenting both your company and amounts of money allegedly owed. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Please confirm receipt and notice. ''

Company response to consumer: Closed with explanation