Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mullooly Jeffrey Rooney & Flynn
State: NJ

Complaint narrative:
XXXX request. XXXX ) XX/XX/XXXX, sent a formal request to the Law firm Mullooly, Jeffey, Rooney & Flynn XXXX for debt validation via Certified Mail on XX/XX/XXXX XXXX, specifically asking for the original signed contract. They received it on XX/XX/XXXX ( Attached letter and certified receipt ). XXXX ) XX/XX/XXXX, submitted a Consumer Financial Protection Bureau complaint number XXXX requesting : a ) Resolution : Mullooly, Jeffey, Rooney & Flynn XXXX must provide the following : b ) Original Contractual Proof : A copy of the signed agreement or application establishing my liability. c ) Chain of Title : A complete Bill of Sale proving this specific account was legally assigned to Law Offices of Mullooly, Jeffrey, Rooney & Flynn XXXX. d XXXX XXXX XXXX XXXXXXXX : Evidence that Law firm Mullooly, Jeffey, Rooney & Flynn XXXX has filed the required {$5000.00} Collection Agency Bond with the XXXX XXXX Secretary of State, as mandated by XXXX. XXXX. XXXX ) XX/XX/XXXX, Mullooly, Jeffey, Rooney & Flynn XXXX responded to CFPB complaint number XXXX as said, Mullooly, Jeffrey, Rooney & Flynn XXXX XXXX XXXX ), represents the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as attorneys for purposes of debt collection regarding the consumers credit card accounts. XXXX XXXX XXXX XXXX sent the consumer Initial Validation Notices for both accounts as required. The validation period ended on XX/XX/XXXX for both accounts. XXXX received no response at that time to the Initial Validation Notices and filed Summons and Complaints for both accounts on XX/XX/XXXX. ( B ) To further assist the consumer, XXXX is sending her additional documentation for these accounts, including the application and terms and conditions. XXXX does not credit report. XXXX ) XX/XX/XXXX, my response to ( A ) : I dispute the companys claim that a validation notice was properly provided and that the validation period expired on XX/XX/XXXX. If the company asserts that a validation notice was sent, I request proof of delivery, including the date sent, method of delivery, and the address used. XXXX ) XX/XX/XXXX, my response to ( B ) : Concerns regarding proper notice, disclosure, and the completeness of the documentation provided. I respectfully request a complete and direct response addressing each of the above items. XXXX ) XX/XX/XXXX, XXXX, per CFPB response to ( A ) sent unacceptable documents such as screenshots of terms and conditions ( see attached documents received for your review ). XXXX did not send application and proper documentation. XXXX did not submit ( A ) requesting a copy of the validation period expired on XX/XX/XXXX. If the company asserts that a validation notice was sent, I request proof of delivery, including the date sent, method of delivery, and the address used. Resolution : Mullooly, Jeffey, Rooney & Flynn XXXX must provide the following : XXXX. XXXX must provide ASAP with a copy of the consumer Initial Validation Notices for both accounts as required. The validation period ended on XX/XX/XXXX for both accounts. XXXX received no response at that time to the Initial Validation Notices and filed Summons and Complaints for both accounts on XX/XX/XXXX. XXXX. XXXX must provide ASAP with a copy of the application and terms and conditions promised to send on XX/XX/XXXX, CFPB complaint number XXXX. XXXX. Original Contractual Proof : A copy of the signed agreement or application establishing my liability. XXXX. Chain of Title : A complete Bill of Sale proving this specific account was legally assigned to Law Offices of Mullooly, Jeffrey, Rooney & Flynn XXXX. XXXX XXXX Bond Verification : Evidence that Law firm Mullooly, Jeffey, Rooney & Flynn XXXX has filed the required {$5000.00} Collection Agency Bond with the XXXX XXXX Secretary of State, as mandated by XXXX. XXXX. Please Law firm XXXX, XXXX, XXXX XXXX XXXX XXXX respond ASAP with the requested information as I have been waiting for the proper documentation since XX/XX/XXXX, and today is XX/XX/XXXX. Please provide documents ASAP via attachment to CFPB XXXX no later than XX/XX/XXXX to provide a proof of your response to the XXXX XXXX XXXX XXXX as this is my XXXX attempt requesting the documents as my rights are violated and minimized by the Law firm Mullooly, Jeffey, Rooney & Flynn XXXX.

Company response to consumer: Closed with explanation