Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
Subject : Failure to Respond to Debt Validation Request Credit Control LLC To Whom It May Concern, I am submitting this complaint regarding Credit Control LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX, for failing to respond to my written debt validation request sent on XX/XX/XXXX, regarding the above-referenced account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a consumer has the right to request verification of an alleged debt, and the collector must cease all collection activity until proper validation is provided. Despite my timely written request, Credit Control LLC has not provided any verification or supporting documentation showing that I am responsible for this debt or that they have the legal right to collect it. 
The Debt Validation letter was sent to Credit Control LLC, in which they attached a letter from XXXX XXXX stating this debt is valid with an outstanding balance on this account of {$20000.00} with notations stating the dates of Account statements and credit card disclosure and if I had any questions or concerns to contact them. 

XXXX XXXX had previously sent me a letter stating this account had been charged off and sold to Credit Control LLC. When I tried contacting XXXX XXXX in regard to this account I was told that they could not discuss any information regarding this account and referred me to the third party who is now handling such. Since then, XXXX XXXX withdrew {$1400.00} from my bank account. These funds were taken as an offset related to a charged-off credit card account, which is now being handled by Credit Control LLC . The funds that were withdrawn were originally from my XXXX XXXX XXXX XXXX  which I had used to pay my home insurance and later received as a refund through checks deposited into my XXXX XXXX account. 

I also respectfully bring to your attention the following legal protections under California law and federal law : California Code of Civil Procedure 704.220 : This law governs the protection of a minimum account balance from bank levies in California. As I am a California Resident.

Preventing complete draining It prevents creditors from emptying a consumers bank account to the point they can not pay for basic living expenses.

Adjusts annually The protected amount is tied to the states welfare standards and is updated each year. The current protected minimum is {$2100.00}, effective XX/XX/XXXX, based on calculations provided by the California Department of Social Services.

Bank levy vs. right of offset While this law specifically protects against levies from third-party creditors, its protections also limit the right of offset by financial institutions. Even when a member owes the institution money, the law prevents a bank from taking all funds to the point that the member can not maintain basic living standards.

Automatic protection This minimum amount is automatically protected from judgment creditors. A consumer does not need to file a claim of exemption to ensure that the protected portion remains accessible. California Senate Bill 616 ( SB 616 ) : Effective XX/XX/XXXX, this law requires banks to automatically protect a minimum balance ( currently {$1800.00}, adjusted annually ) from levy or offset to ensure families are not left without the means to meet basic living expenses. 42 U.S.C. 407 : Social Security benefits are protected from garnishment, levy, or offset ( except in very limited federal circumstances ). Because the withdrawn funds were derived from my XXXX XXXX XXXX XXXX they should have been exempt from seizure. 
By way of XXXX XXXX, Credit Control LLC, only provided a copy of three billing statements and a Credit Card Disclosure which does not meet the requirements for valid verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. No further documentation has been provided to show that Credit Control , LLC have the legal right to collect on this alleged debt.

I have not received any Chain of Assignment or Legal Proof of Debt Ownership I have received no documentation confirming the legal transfer of the debt from the original creditors to Credit Control , LLC. Without this, they have no standing to collect or report. I request that Credit Control , LLC to immediately cease all collection activities and provide written confirmation that the matter is resolved unless and until they can fully validate the debt.

This company has failed to validate the debt and continues to report unverifiable and false information, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the Consumer Financial Protection Bureau intervene to : Permanently delete this account from all credit bureaus Ensure the company ceases all collection and reporting activity Investigate Credit Control , LLC for noncompliance Provide written confirmation of resolution.

The companys failure to respond constitutes noncompliance with the FDCPA, and I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Credit Control LLC complies with federal consumer protection laws.

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