Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge PIte Haan, LLP (GA)

Subject : Complaint Regarding Debt Collection PracticesXXXX XXXX XXXX XXXX and Aldridge Pite Haan Law Firm Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX XXXX XXXX  and the law firm Aldridge Pite Haan ( APH ) for their improper and unlawful handling of a debt collection matter associated with my account. 
Background : XXXX. Initial Request for Debt Validation : On Wednesday, XX/XX/year>, I sent a letter to XXXX XXXX XXXX requesting a validation of the alleged debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g. My letter included a detailed list of documents and information that I requested to verify the validity of the debt.

2. Insufficient Response : In response, XXXX XXXX XXXX  failed to provide full and adequate answers to the questions and documentation requested. The incomplete and insufficient response did not comply with the legal requirements outlined in the FDCPA for validating a debt. They did not provide the necessary documentation, including but not limited to : A. The exhaustive sum of the purported debt, encapsulating any accrued interest, fees, or additional charges. 
B. An itemized account of the principal amount initially owed, accompanied by a delineation of any interest, fees, or other charges incorporated post the original creditor 's assignment of the debt to your agency.

C. Identification and address of the original creditor.

D. The precise date marking the initial default or non-payment related to this account.

E. A certified copy of the originating contractual agreement bearing my signature with the initial creditor, elucidating terms pertinent to interest, fees, and ancillary charges.

F. A comprehensive log of monthly credit card statements and associated transactions spanning the entirety of the account 's existence, detailing purchases, payments, interest accruals, fees, and other germane particulars.

G. Documentary evidence affirming your agency 's legal authority to initiate collection activities within my jurisdiction, inclusive of, but not limited to, necessary licensure and registrations. 
H. Confirmation that the window for the statute of limitations concerning this debt remains open. 

XXXX. Transfer to Aldridge Pite Haan ( APH ) Law Firm : Despite their failure to properly validate the debt, XXXX XXXX XXXX  has now transferred or sold this alleged debt to the law firm Aldridge Pite Haan ( APH ) for further collection actions. This transfer occurred without providing me with the necessary validation of the debt, which is a clear violation of my rights under the FDCPA. 
Current Issue : The actions taken by XXXX XXXX XXXX and Aldridge Pite Haan ( APH ) are not only in violation of the FDCPA but have also caused significant distress and confusion. The following points summarize the primary concerns : XXXX. Failure to Provide Full Debt Validation : The debt collector has failed to provide complete validation of the debt despite my formal request. This is a clear violation of the FDCPA, which requires that d

ebt collectors provide all necessary documentation before proceeding with collection actions. 2. Unlawful Transfer of Debt : The debt was
transferred to a law firm without proper validation. This action has put me in a position where I am now dealing with a law firm that is attempting to collect on a debt that has not been fully validated. 
XXXX. Continued Harassment : The involvement of a law firm without proper debt validation constitutes harassment and intimidation, especially given that my initial requests for validation were not met. 
XXXX. Potential Violations of Fair Credit Reporting Act ( FCRA ) : The debt in question may have been reported to credit bureaus without proper validation, which would be a violation of the FCRA.