Consumer complaint received 2017-08-22
Company: Praxis Financial Solutions, Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company continues to call me from various numbers. The possible collection agent today was rude and unprofessional. They do n't go into any specifics. They just call repeatedly. The numbers I get from them are XXXX or XXXX. I will no longer play this cat and mouse game with a company that employees fools. I do n't have any correspondence from this company. I do n't know what they believe they have with my name on it. How exactly does a company continue to call, but does not tell you what they want. Nor send you out any communication as to whatever they are calling about. I am a XXXX XXXX and this coming is causing stress and stress to my XXXX. My doctor has advised me this inconsiderate is adding to on my XXXX, which will move up my XXXX timeline. This is ridiculous. No one should have to guess or put up with lacking knowledge, inconsiderate and foolish people. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to  provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation