Consumer complaint received 2021-04-08
Company: CURO Intermediate Holdings
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hello, to whom it may concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer as defined in the FDCPA, 15 U.S.C 1692a ( 3 ) that resign in XXXX XXXX I would like to thank you for the opportunity to let me address my concerns regarding the third party ; AD ASTRA RECOVERY Services INC ( ARS ) Debt collector define in 15 usc 1692a, engaged in the business of a collection agency, using telephone & mail to collect consumer debts for profit, in collection of debts allegedly owed by consumers. ARS has infringed upon my rights to privacy under the Fair Debt Collection Practices Act, ( FDCPA ) 15 U.S.C. 1692 ( a ). On XX/XX/XXXX I entered a consumer credit transaction incurred for personal, family or household purposes, namely a personal consumer loan with XXXX XXXX with my XXXXXXXX XXXX  card XXXX to 15 usc 1602 a ( I ) under the Truth in Lending Act. In the initial communication SXXXX XXXX has failed to disclose who they are, and what their initial intentions were to attempt to collect a debt, failure to disclose this information is a violation under 15 usc 1692e ( 11 ). XXXX XXXX has used an elaborate scheme to hide costs and take advantage of vulnerable borrowers. I XXXX XXXX ( consumer ) Have noticed XXXX XXXX has took a Tax write off on this Charge off account and sold the Debt to AD ASTRA RECOVERY Services INC. Upon my finding and belief, as of the date of exhibit A, the alleged XXXX XXXX  loan debt and Ad Astra had not Purchased the receivables associated with the account. ARS XXXX debt collector XXXX has communicated with me in connection with the collection of a debt which is a violation Under the FDCPA 15 usc 1692c ( a ) I would like to ask how my location information was acquired, and who provided you consent to communicate with I ( consumer ) which I would like ARS to provide me my written consent of such action, If the request can not be provided, this will be in direct violation of 15 U.S. Code 1692c ( a ). During my initial communication with ARS, I requested the debt collector to provide me validation of debt, whom the Original creditor was on that debt and to Cease all further collection efforts regarding to the accounts under federal law 15 usc 1692C ( c ). On XX/XX/XXXX ARS has communicated with me defined by 15 usc 1692 ( 2 ) with Statements Exhibit A is a form debt collector use to attempt to collect alleged debt. These form fails to validate the request I asked for and the cease & desist request I made clearly with them. This letter was misleading and confusing because it fails to provide the name of the creditor to whom the debt is owed. This form provided information that would allow the least sophisticated consumer to determine the minimum amount he or she owes at the time of the receipt of the letter, this letter failed to provide information that would allow, I to determine what will I need to pay to resolve the debt at the time of the receipt of the letter also this letter failed to provide information that would allow the least sophisticated consumer to detriment the amount of billing fees owed and whether any additional billing fees will be added, the date they be added, & the amount that be added. ARS used symbols other than the debt collectors address on envelope, which a debt collector may only use the business name if such name does not indicate that he is in the debt collection business. Which is a violation of 15 usc 1692F ( 8 ). Also, ARS have accused me ( consumer ) of this alleged debt which is a violation under federal law 15 usc 1692b ( 1 ) ( 2 ) In Exhibit A, ARS states that AD Astra reviewed its accounts information with its clints but does not identify who Ad Astas client is, nor state the name of the current creditor. In Exhibit A ARS states that XXXX XXXX  is the Original Creditor But also states that the debt was assigned on XX/XX/XXXX which in fact this firm was just the creditor of the credit sale. Although the letter identified the correct creditor, it did not identify it as the current creditor. It instead labeled the creditor as the Original Creditor. The letter therefore was misleading to whom the Original creditor is not the current Creditor. This debt collector clearly did not make it clear that the original creditor is the current creditor. ARS has harassed me to coerce payment on a debt that they have advertised to me which has ruined my reputation by furnishing my information publicly without my consent this Is a violation of 15 usc 1692d ( 1 ) ( 4 ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Any person who receives a debt collection letter containing a violation of the FDCPA is a victim of abusive practice. See 15 usc 1692 ( e ) This is the 2nd time I have disputed the validity of this debt, and for this debt collector to cease further Communication with me through any median. I have sent my document to them certified mail with return recipe to keep a file if litigation process is needed on XX/XX/XXXX. I the original creditor I am requesting actual and statutory damages brought by Defendant AD ASTRA RECOVERY SERVICES INC for violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices this is a violation of 15 usc 1692g ( 5 ). 15 usc 1692e ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt. I request all further collection efforts against XXXX XXXX XXXX XXXX regarding the accounts and any negative credit reporting be removed off any database. In addition, to the damages I am requesting five thousand five hundred ( 5,500 ) to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.

Company response to consumer: Closed with explanation