Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: RI

Complaint narrative:
I am a Rhode Island consumer filing a complaint against Radius Global Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, Minnesota XXXX, for violations of the Fair Debt Collection Practices Act in connection with their attempts to collect an alleged XXXX XXXX XXXX credit card debt, account ending in XXXX. My XXXX credit report pulled XX/XX/XXXX confirms Radius Global Solutions pulled my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, establishing their collection activity during that period. I received four collection letters from Radius Global Solutions dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Violation 1 Attempted to Collect Wrong Amount on Two Separate Occasions : XXXX XXXX XXXX own letter to me dated XX/XX/XXXX confirms the correct balance of account XXXX as {$3600.00}. Radius Global Solutions ' first two collection letters dated XX/XX/XXXX and XX/XX/XXXX both stated the balance as {$3600.00}, an overstatement of {$0.00}. Their final two letters dated XX/XX/XXXX and XX/XX/XXXX stated the corrected balance of {$3600.00}. Radius Global Solutions made this correction without any explanation, notification, or acknowledgment to me that the prior balance had been wrong. This silent correction does not cure the original violation. Under the FDCPA, any misstatement of the amount owed regardless of magnitude violates 15 U.S.C. 1692e ( 2 ) ( A ). I hold all four letters confirming this balance progression and the XXXX XXXX letter confirming the correct balance. Violation 2 Undocumented Chain of Title / Misrepresentation of Standing : XXXX XXXX XXXX XX/XX/XXXX letter implies a direct sale to the current collector, XXXX XXXX XXXX, on or about XX/XX/XXXX. However, credit bureau inquiry records confirm that XXXX XXXX XXXX XXXX was collecting on this account in early XXXX before Radius Global Solutions, and that Radius Global Solutions ' XX/XX/XXXX credit inquiry is consistent with their collection activity continuing until approximately the time XXXX acquired the account in XX/XX/XXXX. Radius Global Solutions ' collection letters referenced only XXXX XXXX as the original creditor with no disclosure of XXXX XXXX XXXX as a prior owner or of their own position as the second buyer in a chain of three. Collecting on a debt without disclosing the complete ownership history and without providing documentation of a lawful assignment misrepresents the legal status of the debt under 15 U.S.C. 1692e ( 2 ) ( A ). Violation 3 Unaccounted Prior Payment Instrument : Prior to the charge-off of account XXXX, I transmitted an indorsed payment coupon to XXXX XXXX via USPS Certified Mail with confirmed signed delivery. XXXX XXXX never acknowledged, rejected, or accounted for this instrument. Radius Global Solutions acquired the account with this unresolved obligation outstanding and made no accounting for it in any of their four collection letters. The balance they attempted to collect can not be verified as accurate without resolving the disposition of this prior instrument. I hold all four Radius Global Solutions collection letters confirming the balance discrepancy, my XXXX credit report confirming their three inquiry dates, and a certified mail receipt confirming XXXX XXXX XXXX receipt of the prior instrument. I respectfully request the CFPB investigate these violations and contact Radius Global Solutions. Note on timing : The collection letters dated XX/XX/XXXX and XX/XX/XXXX containing the overstated balance are still within the one-year FDCPA private statute of limitations as of the date of this complaint, preserving all available legal remedies regarding those specific violations.

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 non-monetary relief