Consumer complaint received 2019-08-29
Company: Capstone Credit & Collection, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, Accountnumber XXXX Unverifiable CAPSTONE CREDIT SERV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have change my new complaint to the status of False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) - false statements about me not sending letters of validation to CAPSTONE CREDIT COLLECTIONS is a LIE. 
- I've fax and mailed CERTIFIED MAIL /AN AFFIDAVIT OF DENIAL OF DEBT which has not been answer yet which brings me to the conclusion of the impersonation of a government official, because only a government official can ignore my document requested to be answered in the fashion that CAPSTONE has. 

-CAPSTONE HAS INSULTED ME ... by saying ''It appears he is mistaking the amount of time an account may remain on a credit report with the statute of limitations for legal remedy. '' .... I know exactly what statue of limitations I'm talking about, it is very clear that CAPSTONE is trying to collect a debt without proof of ownership of the account to me, also past the statues of limitations - insults number two " Furthermore, this account is a result of a broken rental contract with an apartment complex. It is not a credit card, promissory note, auto or installment loan. '' THIS IS WHAT CAPSTONE RESPONDED WITH TO MY COMPLAINT .... 
If there referring to a signed document containing a written promise to pay a stated sum to a specified person or the bearer ( XXXX XXXX  XXXX XXXX ) at a specified date or on demand. 

-Translate promissory note that's the definition of a promissory note which no proof has been shown or provided to me CAPSTONE is saying i broke a rental agreement where is the agreement? who provided a THIRD party of this Alleged document or documents?, i need answers i need someone to swear that this debt is 100 % accurate and it belongs to me with proof!. 

-insult number three ''Mr. XXXX has disputed this account via the XXXX service, to which we responded their information matched ours on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX '' there saying that they matched records that they provided to public records, which is CLASSIFIED AS FALSIFYING DOCUMENTS at this point by verifying documents they submitted, which is illegal. how can they say that the account is my account basically just by saying it is? that's my question to CAPSTONE -insult number four ''On XX/XX/XXXX Mr. XXXX called our office and explained he wants to clean up his credit. He requested to settle the account for a lower amount than we are authorized to accept as well as to have the account deleted. We were not able to accept this offer. ( We counter offered a higher settlement ), but Mr. XXXX turned down the offer '' - Proof that CAPSTONE COLLECTIONS tried to collect this debt UNREASONABLY- I offer to settle a debt that's not clarified as my debt CAPSTONE clearly turned it down an told me that i should pay more to settle this alleged debt with no proof of this even being my debt. 

As i stated before : " In North Carolina, Section 1-52.1 of North Carolina Rules of Civil Procedure Explains the statue of limitations for debts is 3 years for auto and installment loans, ( PROMISSORY NOTES ) and credit cards '' Why are they reporting this to the credit bureau when its past the statute of limitations CAPSTONE is updating records as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX '' reporting and collecting? as CAPSTONE CLEARLY STATED in the last complaint. verifying an alleged account with no proof of ownership.By reporting and validating this debt with the credit bureaus it is misrepresenting the debt and the legal status of it which is a violation of the FDCPA according to my attorney

Company response to consumer: Closed with explanation