Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : XXXX XXXX In regards to : FDCPA Violations Account Number : XXXXXXXX XXXX XXXX Dear Compliance Department. I ( XXXX XXXX ) a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I have received a correspondence from you pertaining to an alleged debt you claim I owe. I want to make you aware that I am fully aware of my rights as a CONSUMER. An according to the FDCPA you have violated my federally protected rights. Your blatant negligence, willful noncompliance, harassment and abuse will not be tolerated. This letter also serves as a cease and desist. Please stop contacting me in regard to this alleged debt. Also please stop reporting it on my consumer credit report as you are in violation of the FDCPA. In accordance with the FDCPA you are in violation of both, 15 USC 1692 ( c ) Communication in connection with debt collection and 15 U.S. Code 1692b - Acquisition of location information. My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 15 USC 1692 ( c ) Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692b - Acquisition of location information. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer. ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. Pursuant 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( b ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( c ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts In accordance with the FDCPA you are liable for {$1000.00} per violation you committed in your communication with me the consumer. I am requesting a payment in the amount of {$5000.00} for the violations you have committed against me. Please make payment within 15 days of your receiving this notice. I will also be filing a formal complaint with the CFPB in regard to this matter. Please also be aware that if necessary I will move forward with further action against ( Company ), if you fail to comply with this notice. In accordance with the FDCPA please make check payable in the amount of XXXX and send to the address above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation