Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcon Credit Solutions LLC (SC)

I am submitting this complaint against Arcon Credit Solutions, LLC for ( XXXX ) failing to provide a signed Assignment or Transfer Agreement proving Arcon Credit Solutions is legally authorized to collect an alleged debt purchased by XXXX XXXX XXXX, XXXX, as well as other specific documents to valid the alleged debt, and ( 2 ) submitting misleading and deceptive forms in violation of Section 812 of the Fair Debt Collection Practices Act. 

Arcon Credit Solutions, LLC ( Arcon ) sent a dunning letter, dated XX/XX/XXXXXXXX  claiming that I owe an alleged debt placed with them by XXXX XXXX XXXX, XXXX ( the " current owner '' ) for {$2700.00} for a XXXXXXXX XXXX XXXX  account that was allegedly included in a portfolio of debts sold by XXXX XXXX XXXX XXXX XXXX ( allegedly the " original creditor '' ) to XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX I submitted a written request under XXXX XXXX. XXXX Section XXXX ( b ) of the FDCPA to Arcon to provide specific documents to prove they have the legal authority to collect this alleged claim of debt including signed copies of the Assignment or Transfer Agreement between Arcon and XXXX, the unbroken chain of title of ownership of the account, the Master or Bulk Purchase and Sale Agreement or Asset and Forward Flow Agreement between XXXX  XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX, and provide proof either by an affidavit or through attachments or exhibits that would be included in the Purchase & Sale Agreement, that all documents relating to the XXXX XXXX XXXX account provided to Arcon Credit Solutions by XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX are accurate, reliable and trustworthy. A copy of a " Bill of Sale '' between XXXX XXXX XXXX  and XXXX XXXX  was provided but did not include the Bulk Debt Purchase and Sale Agreement that was referenced on the face of the XXXX XXXX XXXX. Further, in accordance to a recent XXXX XXXX XXXX XXXX Virginia ruling, dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Record No. XXXX ) the debt buyer 's Bill of Sale must list the specific debtor 's name and account number, The Bill of Sale must contain all the debtor 's information and include all the attachments referenced therein to authenticate the debt. The Bill of Sale provided by Arcon did not list my name, specific account number, or any reference to Arcon anywhere on the document, A second written request was sent to Arcon on XX/XX/XXXX requesting ( once again ) for proof of Assignment to Arcon by XXXX, a copy of the " Agreement '' so that I see all the warranties, representations, and terms of the agreement that could cancel the sale. Also, in my XX/XX/XXXX letter, I provided a screenshot from XXXX XXXX XXXX XXXX XXXX website indicating that they ( XXXX ) began managing XXXX XXXX XXXX accounts on XX/XX/XXXX. According to the Arcon, XXXX XXXX XXXX XXXX XXXX was the " original creditor ''. Based on this information, XXXX XXXX XXXX XXXX XXXX could not have been the original creditor. Therefore, I requested copies of the bill of sale between XXXX XXXX XXXX XXXX XXXX and the original creditor, which upon information and belief was, XXXX XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX ( not Arcon ) that my request and dispute were " frivolous and irrelevant '' and their office has fulfilled their obligations under the FCRA. I disagree with this statement- they have not provided proof of ownership or the amount owed. A Notice of Intent to Settle, dated XX/XX/XXXX was received from Arcon Credit Solutions indicating that XXXX XXXX XXXX has placed the claimed debt with them ( Arcon ) as a " pre-legal account '' and is eligible for " legal review ''. 

As of the filing of this complaint, Arcon has failed to provide any signed Contracts, an Unbroken Chain of Title, Assignments, or Agreements proving that Arcon or XXXX  Resolutions Investments are authorized to collect the alleged debt or that I even owe the debt. Further, the documents provided by Arcon and XXXX are threatening legal action, harassing, abusive, misleading, and deceptive practices, their reporting of this collection action to the three major credit bureau reports has caused me emotional distress and is a deformation of character and slanderous. Arcon and XXXX have and are violating my consumer rights.