Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP

Complaint:
I am a man of XXXX. It is my duty and intention to honor any debt obligation that I legitimately owe. A debt collector, SELIP & STYLIANOU , LLP, sent to me via mail an XX/XX/2021 dated letter demanding I honor a debt obligation. That correspondence is provided for the bureau 's inspection. The debt obligation referenced in this correspondence is the same debt referenced in a previous complaint XXXX. This debt collection agency is threatening me with litigation. On XX/XX/XXXX I created a correspondence requesting that the debt collector document and verify the debt obligation so that I may honor it. The correspondence is received by the debt collection agency on XX/XX/2021 at XXXX XXXX  via United States Postal Service Certified Tracking # XXXX XXXX XXXX XXXX. This simple request satisfies all potential parties. The debt collector responded to this correspondence yet failed to provide the items needed to document and verify the debt obligation. An attorney XXXX XXXX, XXXX is the recorded sender of the response to my correspondence. I told this debt collector the same thing I told the previous debt collector. It is the debt collector 's duty to document and verify the debt obligation and that prior to contacting the potential debtor the debt collector must establish all facts first. Failure to do so incurs fines and/or penalties under the Fair Debt Collection Practices Act if the debt obligation is not valid. This debt collector pursues the debt obligation as valid yet fails to provide the necessary items to document and verify the debt obligation. The debt collector SELIP & STYLIANOU , LLP claims to represent the creditor yet has not provided any documentary evidence to reflect that they are authorized to represent the creditor 's corporate interest. Attorneys are not witnesses and their statements and/or any affidavits, and/or other articles evidence provided by them is hearsay and objectionable in a court of law. Since my XX/XX/XXXX dated letter the debt collector is recorded to have sent me correspondences in the mail and called my phone while I was at work attempting to collect on this debt obligation that they have failed to document and verify under full commercial liability and/or under the penalty of perjury. I received a phone call from an attorney XXXX XXXX on XX/XX/2021 at XXXX. The debt collector is threatening me with litigation via XXXX County District Court with an index number of XXXX. I am not a lawyer. I am not an attorney. The items requested in my XX/XX/XXXX dated correspondence are not unreasonable but simply document and verify the claim that the debt collector is attempting to collect on. I currently have no other recourse but to seek the CFPB 's intervention in this matter short of litigation. In my telephone conversations with the debt collector they are constantly attempting to coerce me into making statements on a phone line that they are recording in order to validate their claim. This debt collection agency is clearly engaged in illegal and/or unlawful activity. They purport to utilize their legal knowledge to deprive me of property. I am fully aware that any competent court in this land is sworn to be the guardian of my liberties and that I have the option of filing a complaint with the Attorney XXXX XXXX XXXX New York in regards to the conduct of attorneys XXXX XXXX, XXXX and XXXX XXXX. Let this complaint be another attempt to formally resolve this matter short of any litigation as CFPB stands as an disinterested third party. If SELIP & STYLIANOU , LLP and/or its agents can not properly document the debt obligation and/or provide the information requested in my XX/XX/XXXX dated letter let them abandon their claim and remove any and/or all references to this matter from the public record. In a previous complaint I was contacted by a law firm that sought to file suit against debt collection firms like SELIP & STYLIANOU , LLP. I would gladly entertain such an offer again. Thank you for your attention and concern in this matter.

Company response to consumer: Closed with explanation