Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
Category : Debt Collection SubIssue : Attempting to collect a debt not owed / Timebarred debt/ Legal action without proper documentation -- - What happened Crown Asset Management , LLC filed a lawsuit against me in XXXX XXXX XXXX ( Case No. XXXX ) attempting to collect an alleged credit card debt originally issued by XXXX XXXX XXXX ( XXXX ). XXXX claims the account was charged off on XX/XX/year>, but they have not provided any evidence of the last payment date, which is the legally required basis for determining whether the debt is still enforceable. Under Florida XXXX XXXX ( XXXX ) ( b ), the statute of limitations for credit card debt is XXXX years, and Florida appellate courts have held that the limitations period begins on the date of the last payment or last charge, not the chargeoff date. XXXX has refused to provide this information and is attempting to collect and litigate a debt that appears to be timebarred. XXXX lawsuit is based on incomplete, inaccurate, and misleading information. They did not attach : A copy of the cardmember agreement A complete account history Proof of the last payment date A valid chain of assignment A final statement establishing an account stated Despite lacking this documentation, XXXX is attempting to obtain a judgment for {$13000.00}. -- - Why this is a violation XXXX XXXX XXXX is attempting to collect a debt that appears to be outside the statute of limitations, which is considered deceptive and unlawful under the FDCPA and CFPB regulations. Florida courts have held that the statute of limitations begins when the account becomes delinquent and no further payments are made. XXXX has not provided any evidence that the lawsuit was filed within the legal time period. Additionally, XXXX is reporting or attempting to collect a debt without providing documentation, which violates : FDCPA XXXX ( false, deceptive, or misleading representations ) FDCPA XXXX ( failure to provide validation ) CFPB XXXX XXXX ( failure to substantiate debt before collection ) XXXX actions are misleading, unfair, and abusive. -- - What I am requesting I am requesting that the CFPB : XXXX. Investigate Crown Asset Management , LLC for attempting to collect and litigate a timebarred debt. XXXX. Require XXXX to provide : The date of last payment A complete account history A valid chain of assignment All documents they claim support the alleged balance XXXX. Require XXXX to cease collection efforts and dismiss the lawsuit if they can not prove the debt is within the statute of limitations. XXXX. Ensure XXXX updates any internal records and refrains from selling or transferring the alleged debt. -- - Supporting details XXXX filed a lawsuit without attaching required documentation. The alleged account is not reporting on my credit report, which further suggests it is stale or timebarred. XXXX has not provided any evidence that the lawsuit was filed within the statute of limitations. XXXX actions appear to violate the FDCPA and CFPB rules regarding substantiation of debt and timebarred debt collection. -- -

Company response to consumer: Closed with explanation