Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
This is a NEW and separate complaint. It supplementsbut does NOT replacemy prior CFPB complaint involving downstream collectors ( XXXX, XXXX XXXX ). It also does not replace my complaint against XXXX. 

This complaint concerns Halsted Financial Services , LLC and their conduct before the account was passed downstream. 

- Halsted Financial Services violated multiple federal and XXXX XXXX debt-collection requirements by : 1. Continuing collection activity after receiving my written dispute and cease-communication notice. 
XXXX. Sending text messages on the SAME DAY they signed for my certified dispute letter. 
XXXX. Failing to provide any form of debt validation as required by FDCPA 1692g ( b ). 
XXXX. Failing to provide required New York State and XXXX XXXX XXXXXXXX ( XXXX ) debt-collection licensing documentation. 
XXXX. Passing the account to additional collectors while my dispute was open and unresolved. 
XXXX. Ignoring my written mail-only communication instruction. 
XXXX. Using multiple reference numbers and multiple callback numbers, creating confusion and hindering my ability to verify legitimacy. 

This complaint focuses exclusively on Halsteds actions. 

- Detailed Timeline - which is fully document : XX/XX/year> I mailed Halsted a certified dispute/validation request, explicitly stating : cease electronic contact ( no calls, no texts, no emails ) mail only send full validation and proof of licensing XX/XX/year> XXXX XXXX  XXXX shows Halsted received and signed for my dispute and cease-communication notice. 

Later on XX/XX/year> Despite confirmed receipt, Halsted sent me a text message attempting to collect the debt. 
This shows continued collection activity after : receiving my dispute receiving my cease-communication request receiving my demand for validation I have screenshots and the USPS signature confirmation. 

Following this, without ever validating the debt : Halsted forwarded the account to XXXX, who then forwarded it to XXXX XXXX all while my dispute remained unanswered and unresolved. 

This created multiple reference numbers, multiple mailing addresses, and multiple collection attempts from different entities all while Halsted was copied on each letter and still failed to provide any response or validation. 

- Violations 1. FDCPA 1692g ( b ) Failure to provide validation AND continuing collection Halsted never provided : any supporting documents any creditor records any itemized account history any evidence they relied upon Despite this, they continued collection activity, including texting me on the same day they received my dispute. 

- 2. FDCPA 1692c ( c ) Ignoring cease-communication request My written notice clearly stated : Mail only. No calls, no texts, no emails.

Halsted ignored this instruction entirely.

- 3. FDCPA 1692c ( a ) Improper contact after written request They continued contacting me after being prohibited from doing so in writing. 

- 4. FDCPA 1692e Misrepresentation / false implication of legal authorization Halsted represented themselves as authorized to collect in New York but provided : no New York State license number no XXXX XXXX license number Both are legally required to collect debts from XXXX consumers. 

- XXXX. New York XXXX XXXX XXXX XXXX Halsted has not provided : a New York XXXX debt collector license a XXXX XXXX license or registration New York prohibits unlicensed collection activity. 

- XXXX. Improper transfer of account during active dispute Instead of resolving the dispute they received on XX/XX/XXXX, Halsted : failed to validate ignored my request then transferred the file downstream to another agency which then transferred it again all while the dispute was pending This violates the FDCPA because collection and transfer activity must stop until validation is provided. 

As a direct result of Halsteds failure to validate or address my dispute, XXXX reported the collection to XXXX  and XXXX  without any validation ever being provided to me by Halsted or any subsequent collector.

Company response to consumer: Closed with explanation