Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allegiant Capital Recovery LLC (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX Re : [ Account number ending in XXXX Phone number : ( XXXX ) XXXX Dear Allegiant Capital recovery Services, I am responding to your contact about a debt you are attempting to collect. You contacted me by email, on [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ] This letter is being sent to you in response to a notice sent to me on XXXX day of XXXX, XXXX. Be advised that this is a refusal to pay, but a notice sent pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act that your claim is disputed and validation is requested.

Please be advised that I do not owe any part of the alleged debt associated with the above mentioned case number. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay your company. I expect you to cease your collection efforts immediately as required by Section 809 of the FDCPA until you send me written verification of the debt. 



Please provide me with the following : Please provide an explanation as to how you mathematically calculated what you say I owe ; Please provide copies of any papers with my signature that show I agreed to pay what you say I owe ; Please provide a certified copy of any judgment if applicable ; Please provide proof that the Statute of Limitations has not expired on this account ; Please provide sufficient evidence that you are licensed to collect in my state ; Please provide your license numbers and the name and address of your Registered Agent ; Please provide the audit trail of the whole calculations you are charging me for ; Please provide me the agreement that grants you the authority to collect on this alleged debt ; Please provide me with the master bill of sale ; and Please provide and confirm my personal information you have on file. 
Please be advised that if your offices have reported any incorrect information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), such an action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports as a result of your companys actions, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; and/or Defamation of Character ; If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel as to when suit may be filed. This includes the giving of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no proof provided that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request must be sent to me immediately. 
I also am requesting that no telephone or email contact be made by your offices with my home, family or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by the United States Postal Service. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, and any information obtained shall be used for that purpose. 


Sincerely, XXXX XXXX XXXX