Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: TN

Complaint narrative:
To Whom It May Concern, " Cease and Desist '' and Debt Validation formal demand According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, Therefore, do not call me at home, at work, on my cell phone or at any other location.

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a formal demand for debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXXXXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I require and please provide the following : A copy of the Purchase Agreement, Assignment of Debt, or Bill of Sale proving your company has legal ownership of, or the right to collect on, this account. 
Documentation establishing the full chain of title from the original creditor to your agency. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and addre
ss of the bonding agent for Bounce al Inc in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. If you can not produce this documentation, you have no legal standing to collect this debt. 

Furthermore, if you are reporting this account to any credit reporting agency without proper validation, such reporting is inaccurate and unlawful. If validation is not provided, I demand immediate deletion of this account from all credit reports with XXXX XXXX XXXX XXXX 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and possible civil action. 

All future communication must be in writing only. 
Sincerely,

Company response to consumer: Closed with explanation