Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU FORMAL COMPLAINT COMPLAINANT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX COMPANY COMPLAINED ABOUT Javitch Block LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Ohio XXXX Phone : ( XXXX ) XXXX ACCOUNT INFORMATION Account/Reference Number : XXXX Alleged Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Alleged Debt Amount : {$16000.00} NATURE OF COMPLAINT Violation of Fair Debt Collection Practices Act ( FDCPA ) Failure to Provide Adequate Debt Validation and Continued Collection Without Proper Verification EXECUTIVE SUMMARY I am filing this formal complaint against Javitch Block LLC for systematic and egregious violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). Despite receiving my comprehensive debt validation request within the statutory 30-day period, Javitch Block LLC has failed to provide adequate validation while continuing collection activities. Their response consisted of minimal identifying information and a single credit card statement, which falls woefully short of the documentation required to validate a debt under federal law. 
DETAILED TIMELINE OF EVENTS XX/XX/XXXX : Initial Collection Notice Received I received a collection notice from Javitch Block LLC claiming I owed {$16000.00} to XXXX XXXX XXXX XXXX XXXX on account number ending in XXXX. The notice included minimal information and a form requesting I dispute the debt by XX/XX/XXXX. 
XX/XX/XXXX : Comprehensive Debt Validation Request Sent Within the 30-day validation period mandated by 15 U.S.C. 1692g, I sent a detailed Debt Validation and Cease and Desist letter via certified mail, return receipt requested. This letter specifically requested the following documentation : 1. Complete information about the original creditor 2. Original account number with the original creditor 3. Complete itemization showing how the alleged debt amount was calculated 4. Copies of statements or invoices from the original creditor 5. Copy of the signed contract, agreement, or legal document establishing my obligation 6. Complete chain of title documentation showing all assignments from XXXX XXXX XXXX XXXX XXXX to Javitch Block LLC 7. Proof of Tennessee debt collection license 8. Documentation of legal authority and standing to collect this alleged debt 9. Securitization documentation if applicable XX/XX/XXXX : Grossly Inadequate " Verification '' Response Javitch Block LLC sent a letter dated XX/XX/XXXX, claiming to provide validation. However, their response contained ONLY the following minimal information : Date account was opened : XX/XX/XXXX Date of alleged last payment : XX/XX/XXXX Creditor name and address : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX Partial account number : XXXX Partial social security number : XXXX Alleged balance : {$16000.00} as of XX/XX/XXXX XXXX credit card statement dated XX/XX/XXXX This minimal response does NOT constitute proper debt validation under the FDCPA. 
XX/XX/XXXX : Second Comprehensive Validation Demand I sent a detailed second demand letter explaining the inadequacy of their response and renewing my comprehensive validation request. As of the filing of this complaint, Javitch Block LLC has still not provided proper validation.

SPECIFIC FDCPA VIOLATIONS Violation 1 : Failure to Provide Adequate Debt Validation ( 15 U.S.C. 1692g ( b ) ) Under 15 U.S.C. 1692g ( b ), when a consumer requests validation of a debt within 30 days of receiving the initial collection notice, the debt collector must cease collection activities until adequate validation is provided. Javitch Block LLC has completely failed to meet this legal requirement. 
Critical Missing Documentation : A. No Original Signed Contract Javitch Block LLC failed to provide the foundational document that would establish my alleged obligation the original signed credit card application or agreement. A single statement from XX/XX/XXXX is NOT a contract. Without this document, they can not prove that a valid debt exists or that I agreed to any terms. 
B. No Complete Account History One statement from XX/XX/XXXX does not constitute a complete account history. They provided no documentation showing the complete transaction history from the alleged account opening ( XX/XX/XXXX ) to present, including all charges, payments, interest applications, and fees. There is a complete documentation gap from the alleged last payment date ( XX/XX/XXXX ) until the single statement provided ( XX/XX/XXXX ). 
C. No Itemized Accounting Javitch Block LLC failed to provide an itemized accounting showing how the alleged debt of {$16000.00} was calculated. Where is the breakdown of principal, interest rates applied with dates, fees charged with descriptions, all payments credited, and all credits or adjustments? The credit card statement shows a balance but does not prove the accuracy of that balance or how it was calculated. 
D. No Chain of Title Documentation This is perhaps the most critical failure. Javitch Block LLC provided ZERO documentation showing how this alleged debt was transferred from XXXX XXXX XXXX XXXX XXXX to them. There is no assignment agreement, no bill of sale, no chain of custody documentation. They can not prove they have legal standing to collect this debt. 
E. No Proof of Legal Authority Javitch Block LLC failed to provide documentation proving their legal authority and standing to collect this alleged debt. They provided no power of attorney, no authorization from XXXX XXXX XXXX XXXX XXXX, and no evidence they are the current legal owner or authorized collector of this debt. 
XXXX XXXX Tennessee Collection License Proof Despite my specific request, Javitch Block LLC failed to provide proof that they are properly licensed to collect debts in Tennessee as required by state law. 
Violation 2 : Continued Collection Activities Without Validation ( 15 U.S.C. 1692g ( b ) ) The law is explicit : upon receipt of a consumer 's validation request within 30 days, the debt collector " shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt ... '' Despite receiving my comprehensive validation request on or about XX/XX/XXXX, Javitch Block LLC has : Failed to cease collection activities Sent inadequate responses claiming to provide validation May have continued reporting this unvalidated debt to credit bureaus Maintained their collection posture despite complete failure to validate Violation 3 : False Representation of Debt Verification ( 15 U.S.C. 1692e ( 8 ) ) By sending their XX/XX/XXXX letter with minimal information and a single credit card statement, Javitch Block LLC falsely represented that they had verified the debt as required by law. This constitutes a violation of 15 U.S.C. 1692e ( 8 ), which prohibits " [ c ] ommunicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' Violation 4 : Misrepresentation of Character, Amount, or Legal Status of Debt ( 15 U.S.C. 1692e ) Without providing proper validation, including the original contract and complete accounting, Javitch Block LLC can not legitimately represent the character, amount, or legal status of this alleged debt. Their continued assertion that I owe {$16000.00} without providing documentation to support this amount constitutes misrepresentation under 1692e.

Violation 5 : Unfair Collection Practices ( 15 U.S.C. 1692f ) The collection of a debt that has not been properly validated constitutes an unfair practice under 15 U.S.C. 1692f. By refusing to provide comprehensive validation while maintaining their collection stance, Javitch Block LLC is attempting to collect a debt through unfair and unconscionable means. 

LEGAL ANALYSIS AND CASE LAW The requirements for debt validation under the FDCPA are well-established in case law. The purpose of 1692g is to ensure that consumers have adequate information to determine whether they actually owe a debt and to whom.

What Constitutes Adequate Validation Courts have consistently held that adequate validation must provide sufficient information for a consumer to verify the debt. While 1692g does not specify exactly what documentation must be provided, courts have found that collectors must provide more than minimal identifying information. The validation must allow the consumer to determine whether the debt is theirs and whether the amount is correct. 
In this case, Javitch Block LLC 's response fails even the most basic validation requirements : No documentation establishing that I entered into a contract with XXXX XXXX XXXX XXXX XXXX No documentation showing how the alleged balance was calculated No documentation proving Javitch Block LLC has legal authority to collect this debt No complete account history that would allow me to verify the accuracy of the claimed amount HARM AND IMPACT Javitch Block LLC 's violations have caused me significant harm : Emotional Distress : The stress of dealing with an unvalidated debt claim and aggressive collection attempts has caused substantial emotional distress and anxiety. 
XXXX and XXXX : I have spent considerable time and effort attempting to obtain proper validation, including sending certified letters, researching my rights, and documenting violations. 
Potential Credit Damage : If this unvalidated debt has been reported to credit bureaus, it may be damaging my credit score and financial reputation without proper basis.

Continued Collection Pressure : Despite my clear and legally proper validation requests, I continue to face collection pressure on a debt that has never been properly validated.

RELIEF REQUESTED I respectfully request that the Consumer Financial Protection Bureau : 10. Investigate Javitch Block LLC for systematic violations of the FDCPA 11. Require Javitch Block LLC to cease all collection activities on this alleged debt until proper validation is provided 12. Order Javitch Block LLC to delete all credit reporting related to this unvalidated debt 13. Impose appropriate penalties and sanctions against Javitch Block LLC for their violations 14. Award me statutory damages under 15 U.S.C. 1692k ( up to {$1000.00} ) 15. Award actual damages for the emotional distress, time, and resources expended 16. Award attorney 's fees and costs if I pursue legal action 17. Take any other action deemed appropriate to remedy these violations and prevent future violations SUPPORTING DOCUMENTATION I am providing the following documentation to support this complaint : 18. Copy of initial collection letter from Javitch Block LLC dated XX/XX/XXXX XXXX. Copy of my comprehensive Debt Validation and Cease and Desist letter dated XX/XX/XXXX, sent via certified mail 20. Copy of Javitch Block LLC 's inadequate response dated XX/XX/XXXX XXXX. Copy of credit card statements provided by Javitch Block LLC 22. Copy of my second demand letter dated XX/XX/XXXX XXXX. Certified mail receipts showing delivery of my validation requests ADDITIONAL INFORMATION Pattern of Practice Based on research and consumer complaints, I believe Javitch Block LLC may have a pattern and practice of providing inadequate validation responses. I urge the CFPB to investigate whether this is a systemic issue affecting multiple consumers.

Statute of Limitations Concerns Tennessee has a six-year statute of limitations on written contracts ( XXXX XXXX XXXX. XXXX ). If the alleged last payment was XX/XX/XXXX, as Javitch Block LLC claims, proper documentation would show when the statute of limitations began running and whether it has expired. This is another reason why complete account history and validation is essential. 
No Admission of Debt Important : This complaint and all my correspondence with Javitch Block LLC do NOT constitute an acknowledgment or admission that I owe this alleged debt. I categorically deny the validity and enforceability of this alleged debt. The burden of proof rests entirely with Javitch Block LLC to validate this debt according to federal law, which they have failed to do. 
CONCLUSION Javitch Block LLC has systematically and egregiously violated the Fair Debt Collection Practices Act. They received my timely and comprehensive validation request, yet they responded with wholly inadequate minimal information that falls far short of proper debt validation. They continue to maintain their collection stance on an unvalidated debt, causing me ongoing harm. 
The FDCPA exists to protect consumers from exactly this type of abusive debt collection practice. Without proper validation, consumers have no way to determine whether they actually owe a debt, whether the amount is correct, or whether the collector has legal standing to collect it. 
I respectfully request that the CFPB take prompt and decisive action to investigate these violations, require Javitch Block LLC to cease collection activities, remedy the harm caused, and take appropriate enforcement action to prevent future violations. 
Thank you for your attention to this serious matter. 
Respectfully submitted, XXXX XXXX XXXX, electronic signature XXXX XXXX XXXX Date : XX/XX/XXXX Contact Information : Phone : XXXX Email : XXXX Copies to : Federal Trade Commission Tennessee Attorney General XXXX XXXX XXXX XXXX Ohio Attorney General - XXXX XXXX XXXX Attachments : XXXX. Initial collection letter from Javitch Block LLC ( XX/XX/XXXX ) XXXX. XXXX XXXX and XXXX and XXXX letter ( XX/XX/XXXX ) XXXX. Javitch Block LLC inadequate response letter ( XX/XX/XXXX ) XXXX Credit card statements provided by Javitch Block LLC XXXX. Second demand letter ( XX/XX/XXXX ) XXXX. Certified mail receipts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation