Consumer complaint received 2021-10-18
Company: Servatus Corporation
State: UT
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:
An initial complaint was filed about the Debt Collection agency on XX/XX/XXXX about the failure of Credit Solutions Corp ( CSC ) to notify me in writing about the debt and their responsibilities to notify myself of my right to validate the debt. The next morning on XX/XX/XXXX the CSC responded to the complaint with a short response claiming to have sent a notice in XX/XX/XXXX. I have checked the United States Postal Service Informed Delivery emails for XXXX and XX/XX/XXXX and have accounted for any letter listed and none of which show the debt the agency claims I owe. On the same day as the companys response I filed another complaint indicating the company has failed to provide the information that shows they are not violating my rights under the FCRA. CSC responded today XX/XX/XXXX with a response that was that appeared threatening, had conflicting information, and admitted to the company reporting inaccurate information to the credit reporting agencies which reports that information to potential lenders, creditors, and leasing agencies. This in turn has caused irreparable harm to myself and should not have been reported in the first place. The companys response declared that the debt was purchased by XXXX XXXX, but is reported as XXXX XXXX on my credit profile as the original creditor. I DO NOT nor have I ever had any relationship with a credit union called XXXX XXXX and after contacting the company they confirmed that no relationship has existed with their company. The condescending tone the response had when the respondent stated As for a bank charter, we do not need one we are talking about a credit union not a bank and either way one is not needed to collect a debt. further proves the hostile intent of the debt collector and is again a misleading statement regarding banking laws. A Credit Union does have a charter and the requirements for a credit union to obtain a charter vary from state to state or in are issued by the federal government. The debt collectors response also said the 2 years he is seeing on his credit is when we first reported his debt not the age, which with a charge of date of XXXX, is still legally re-portable. is a blatant lie by the debt collector. The company did not begin reporting the debt until XX/XX/XXXX and only shows that it has been on their for <1 month. The debt collector continues to act in an unprofessional, dangerous, and illegal manner. The debt collector has claimed a debt was admitted to be mine by inferring their own meaning from a statement obtained through research calls and again is another lie perpetuated in an attempt to coerce and threaten me into making a payment for a debt which is illegal through the companys own actions. To further investigate the appalling and illegal practices displayed by the debt collector Credit Solutions Corp a formal written request and a copy of the complaints and communications through the CFPB are being forwarded to the Utah State Attorney General, the California State Attorney General, the California Contact Address for Credit Collection Solutions Corp as reported on my credit profile, the states consumer protection agency, the major credit reporting agencies, the Federal Trade Commission, and the final compilation will be sent in writing to the Federal Consumer Financial Protection Bureau outlining the violations the company has admitted to through their responses. After 3 attempts to request the agency rectify the situation they only continue to act in a frivolous manner and have shown they failed in their legal requirement to provide due diligence while performing services as a debt collector.

Company response to consumer: Closed with explanation