Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (TX)

I had submitted a CFPB Case about the tactics of XXXX XXXX XXXX XXXX CFPB Case Number : XXXX ( previously ). I had submitted a complaint against CKS Prime Investments , LLC, because I was contacted by their company to collect a debt and I was not sent anything in writing ( within five ( 5 ) days ) since the initial contact to do a dispute of the debt. I was contacted by phone and the representative left a voicemail saying they were calling from CKS XXXX XXXX. I have added the correct name of the company CKS Prime Investments , LLC, due to a letter that was received today from XXXX XXXX XXXX XXXX, Friday, XX/XX/2022. The date of the letter is XX/XX/2022, and it's a response to a complaint I filed. XXXXXXXX XXXX stated they have tried to settle the accounts previously in XXXX and XX/XX/2022. I did not receive anything from their company about settling the accounts. I got notices of what was past due and the amount of the minimum payment due. I will have a copy of the letter that I photographed included on this complaint because this is deceptive communication regarding them claiming that an attempt was made to resolve the account and is untruthful communication. Secondly, I found out that the account was charged off XX/XX/2022, and I was not sent any communication from XXXX XXXX XXXX  that my debt was charged off, to do a validation of debt, or to dispute the debt with the company. The letter said it was subsequently sold to CKS XXXX XXXX, XXXX ( XXXX ) according to the letter. However, the date the debt was sold is not written in the contents of this letter but we do know that CKS XXXX XXXX XXXX XXXX, did contact me to collect the debt and never sent any documentation to allow for a validation of debt or a dispute to take place regarding the validity of the debt ( that was sold on XXXX without any communication being sent ). The letter sent by XXXX XXXX XXXX XXXX does NOT indicate that any communication was submitted to me in writing regarding the selling of this debt to a third party company. The letter sent by XXXX XXXX XXXX XXXX  explains that my account was placed in Cease and Desist status. However, there was no communication with me in regards to the attempts to collect a debt was being terminated nor did I receive any communications that their company was going to remedy the balance with selling the unresolved account to a third-party collections company, CKS Prime Investments , LLC. 

XXXX XXXX XXXX XXXX claims their communication has been with e-mails but I filed in my complaints as well for communication to take place by U.S. Mail. None of the correspondence that XXXX claims was sent in XXXX or XX/XX/2022 was sent by U.S. Mail nor does the letter say it was emailed like they specificed they sent on XX/XX/2022 for a {$30.00} credit. 

15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, EXCEPT ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or