Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kompato AI Inc
State: MO

Complaint narrative:
I am filing this complaint regarding Kompato AI 's attempts XXXX collect an alleged debt. I began receiving emails XXXX telephone calls from Kompato AI demanding payment of this alleged debt. In response, I mailed a debt validation request via certified mail on XX/XX/year>. In that letter, I requested the following information : * Name XXXX address of the original creditor * Original account number * Itemized breakdown of the alleged balance * Copies of any signed agreement or contract * Complete chain of assignment establishing Kompato AI 's legal right XXXX collect the debt * Date of last payment * Documentation showing the statute of limitations has not expired The certified mail receipt confirms that Kompato AI received XXXX signed for this letter on XX/XX/year>. Despite receiving my validation request, Kompato AI continued collection activity without providing any validation of the alleged debt. I received collection calls on the following dates and times : * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX Additionally, on XX/XX/year>, at approximately XXXX XXXX, Kompato AI contacted my XXXX by telephone in an apparent attempt XXXX collect this alleged debt. Because I had still not received any debt validation, I mailed a XXXX certified letter on XX/XX/year>. In that letter, I formally disputed the debt XXXX stated : " Please be advised that I dispute this debt. I previously requested validation, which has not been provided. Additionally, I am formally requesting that all future communication be conducted in writing only. You are not XXXX contact me by telephone at any number. You are also instructed XXXX cease contacting any XXXX parties regarding this matter. '' The certified mail receipt confirms that Kompato AI received and signed for this letter on XX/XX/year>. Despite receiving my written dispute XXXX written request that all communications be conducted by mail only, Kompato AI continued XXXX contact me by telephone on the following dates : * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX * XX/XX/year> XXXX XXXX As of XX/XX/year>, Kompato AI has not provided any written validation of the alleged debt despite receiving my written requests XXXX dispute. However, they have continued collection efforts, continued telephone contact after being instructed XXXX communicate only in writing, XXXX contacted a XXXX party regarding the alleged debt. I am requesting that the CFPB investigate Kompato AI 's collection practices, including their failure XXXX provide debt validation, continued collection activity after a validation request XXXX dispute, continued telephone communications after a written request XXXX cease telephone contact, XXXX their contact with a XXXX party regarding this alleged debt. I have retained copies of my certified letters, delivery confirmations, XXXX call logs documenting these communications which have been included in this complaint.

Company response to consumer: Closed with explanation