Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: TX

Complaint narrative:
On XXXX XXXX XXXX, Capital Management Services , LP ( CMS ) mailed an initial collection letter regarding an alleged XXXX account with a claimed balance of {$7900.00}. The letter offered a 27 % settlement totaling {$2100.00} and instructed me to make payments directly through CMS. The letter identified XXXX XXXX XXXX XXXX as both the original creditor and current creditor. On XXXX XXXX XXXX, within the statutory validation period, I mailed a formal written dispute and debt validation demand to CMS via Certified Mail No. XXXX. USPS tracking confirms the dispute packet was delivered to CMS on XXXX XXXX XXXX at XXXX XXXX in XXXX, XXXX XXXX My dispute specifically invoked the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and Texas Finance Code 392.202. I formally disputed the alleged debt in its entirety and demanded that CMS cease all collection activity until proper validation was provided. In my written dispute, I specifically requested the following documentation and disclosures : 1. The name and physical mailing address of the original creditor. 2. A complete itemized accounting of the alleged {$7900.00} balance. 3. A copy of the original signed contract or agreement. 4. The date of last payment and the date of first delinquency. 5. Documentation establishing CMSs authority to collect on behalf of XXXX. 6. Texas surety bond information pursuant to Texas Finance Code 392.101. 7. Proof that CMS was authorized to conduct collection activity within the State of Texas. 8. The final billing statement issued prior to charge-off. 9. Documentation verifying that I was the correct consumer beyond name and address matching. 10. Written confirmation of the applicable statute of limitations and calculation date. 11. Written confirmation of any intent to report to consumer reporting agencies. I also specifically requested written confirmation regarding : whether the alleged debt had been sold, assigned, or securitized whether any Form 1099-C had been issued whether the balance reflected prior accounting write-offs or adjustments My dispute additionally directed CMS to cease all telephone communications and stated that all communications must occur in writing only. Despite receipt of my timely dispute, CMS failed to provide the requested validation documentation. Instead, on XXXX XXXX XXXX, CMS mailed a response containing only limited account statements, a generic cover letter, and a copy of a card agreement. The response failed to provide critical information specifically requested in my dispute. CMS failed to provide : Texas surety bond information required under Texas Finance Code 392.101 proof of authority to collect in Texas documentation establishing legal authority to collect on behalf of XXXX a complete itemized accounting of the alleged balance documentation reconciling the charged-off balance with the amount being collected documentation regarding securitization or assignment status any information regarding Form 1099-C reporting competent business records establishing ownership and authority documentation identifying how the balance evolved after charge-off proof establishing that the alleged debt remained legally enforceable The XXXX XXXX XXXX response instead instructed me to contact CMS to discuss payment arrangements and settlement options despite the unresolved validation deficiencies. After receiving my timely dispute and without curing the validation defects, CMS continued collection activity. On XXXX XXXX XXXX CMS mailed another settlement solicitation letter offering installment payment arrangements regarding the same disputed debt. The XXXX XXXX letter again attempted to induce payment while the debt remained disputed and unresolved. The XXXX XXXX XXXX collection letter was sent after CMS had already received my dispute and after CMS failed to provide the specific validation materials requested in my XXXX XXXX XXXX dispute letter. I believe CMS violated the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( b ), by continuing collection activity after receiving my timely written dispute without first providing competent validation of the alleged debt. I also believe CMS violated 15 U.S.C. 1692e and Texas Finance Code 392.304 by attempting to collect and represent the balance as valid while failing to provide requested documentation substantiating the amount being collected and their authority to collect the debt in Texas. Additionally, CMS failed to provide the Texas surety bond information specifically requested under Texas Finance Code 392.101, yet continued collection activity and payment solicitation efforts anyway. The responses mailed by CMS did not demonstrate that a meaningful investigation had been conducted. Instead, CMS continued sending settlement solicitations while material portions of the validation request remained unanswered. I am requesting that the CFPB formally investigate CMSs collection conduct, continued collection activity after dispute, failure to provide competent validation, failure to provide requested Texas compliance documentation, and attempts to collect an alleged debt that remains disputed and insufficiently validated.

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