Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I received a collection notice from ConServe for a tuition balance allegedly owed to XXXX XXXX XXXX XXXX. I requested debt validation, including an itemized statement, the original signed agreement, and proof that ConServe is legally authorized to collect this debt. Although ConServe did respond, the documentation they provided only confirmed my identity and my enrollment at XXXX XXXX XXXX XXXX. They included an unsigned and undated payment agreement that does not establish a binding financial obligation, yet they ignored this fact entirely. Their response did not include any itemized billing, proof of assignment, or evidence that this debt is valid and collectible. 

To be clear, I have never claimed that my identity was stolen. My dispute is based on the accuracy and validity of the debt itself. The documents ConServe provided do not verify the existence of a legitimate, enforceable balance, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

I attended XXXX XXXX XXXX XXXX beginning in XX/XX/XXXX. During my enrollment, I was under the impression that my student loans fully covered my tuition costs for the semester. I was not informed of any missing XXXX XXXX funds or outstanding balance while attending classes or before leaving the school. 

In XX/XX/XXXX, months after the semester had ended, I was notified for the first time that I would not be receiving the XXXX XXXX, even though it had been previously applied to my account. The school later removed the XXXX XXXXXXXX from my billing statement without prior notice or explanation, creating an unexpected balance that I was unaware of. 

XXXX XXXX XXXX also provided an unsigned and undated payment agreement, which means no valid repayment plan was ever finalized. While I did sign a general financial responsibility form upon enrollment, that document does not establish a specific payment obligation for this disputed balance. 

Furthermore, any documents or records XXXX XXXX XXXX has provided as evidence are hearsay they contain no verifiable signature from me and do not demonstrate any binding financial obligation on my end. After receiving the paperwork from ConServe, I personally contacted XXXX XXXX XXXX and spoke with a representative who confirmed that the payment agreement did not have my signature. When I asked why, she stated that it was because I stopped responding, which clearly shows that the school never finalized or executed any signed agreement with me. 

Additionally, the payment agreement itself states, I authorize XXXX XXXX XXXX to contact me regarding my student payment plan. Even if I had signed that document, the school never made any effort to contact me regarding a payment plan or to notify me of any balance before sending the account to collections. The first and only communication I received was a notice from ConServe, which demonstrates a complete failure on the schools part to honor its own terms of communication. 

The handling of my account by XXXX XXXX XXXX XXXX was misleading and inaccurate. The balance now being collected by ConServe is the result of poor financial aid communication and improper notification, not nonpayment. I am requesting that ConServe provide full and proper validation of the debt including all billing records, a signed agreement, and documentation showing their right to collect or that this collection account be immediately removed from my credit report. 

This situation has caused unnecessary stress and damage to my credit profile. I have made every effort to resolve the matter directly with both XXXX XXXX XXXX XXXX and ConServe, but I have not received adequate documentation or a fair explanation. I am asking for the CFPBs assistance to ensure this matter is properly investigated and corrected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief