Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quantum3 Group, LLC
State: SC

Complaint narrative:
This is the exact conversations between them and me : My initial email : I spoke to a representative today and he gave me an acct ID XXXX. I am needing to know per my Bankruptcy Attorney the name of each acct Quantum3 has that you are representing. The

information needed would be the name of the creditor, the account number for each, the amount owed for each account, and the date of last transaction ( if known ) I appreciate your cooperation in this matter and please do not hesitate to reach out for questions. Their reply : Your bankruptcy attorney should have all the information you requested below, as we filed a proof of claim ( copy served upon your attorney ) and the trustee would have provided your attorney the final report after your bankruptcy case dismissed. My response : Good evening, I have found a lot of discrepancies with my
13 which is why I am reaching out to you. If I provide the info, can you confirm the info to be correct or wrong and if wrong, give me correct info so I can refile with the correct info?

* * DELETED CREDITOR INFORMATION FOR PRIVACY * * I would greatly appreciate it if you

could please verify this info for me and let me know the accuracy, as I stated, I have found a lot of issues with my creditors and balances. I do appreciate your time and cooperation in this matter, Their Reply : We have no record of any discrepancy. You need to discuss with your attorney. Thank you. My response : These are my accounts and I have the right to know what they are and the balances owed! I will file complaints and IF you want to get paid you will supply the information needed, IF/When we go to court, I will provide this email to prove that I was trying to get information in regards to MY accounts and MY alleged debt and you
/Quantum3 Group are refusing to provide the required information. The law states in regards to the federal Fair Debt Collection Practices Act ( FDCPA ), specifically the requirement for a debt collector to send a " validation notice '' with specific information about the debt either in the initial communication or within five days of it. This notice must include the collector 's name and address, the name of the original creditor, the amount owed, the account number ( if any ), and information on how to dispute the debt and your rights.

A statement that the communication is from a debt collector.

The collector 's name and mailing address.

The name of the creditor to whom the debt is owed.

The account number for the debt, if one exists.

An itemized list of the current amount of the debt, including any interest, fees, payments, or credits.

Information explaining how to dispute the debt if the debtor believe it is not theirs or if the amount is incorrect.

Debtors ' rights under the FDCPA.

A debt collection agency must provide the debtor with information about the debt when asked, even if the debtor is in a XXXX XXXX  bankruptcy, because of the Fair Debt Collection Practices Act ( FDCPA ) requires it. However, due to the " automatic stay '' that goes into effect when the debtor files for bankruptcy, a debt collector can not attempt to collect on the debt. If the debtor is contacted, the debtor should inform them of the bankruptcy and direct them to the attorney.

Verifying the Debt : If any contact occurs after the automatic stay is lifted, or for a debt not included in my bankruptcy, I can still ask the collector for information to verify the debt.

I didnt say discrepancy was with you, I said I had discrepancies in general. Misinformation in regard to incorrect amounts, incorrect balances/amounts owed, account numbers etc.

I will file a formal complaint and let the attorney know you are refusing to provide me the debtor with the information I am requesting. IF this was your debt. you would want to know the same information.

Regards, Their Response : Please have your attorney contact us. Thank you.

This was the last conversation between us.

I have found major discrepancies with my prior XXXX  XXXX that I am going through right now and having to refile, this is why I am needing the information, all other agencies have provided the information with no issues. This company is the only one, that WILL NOT speak to you on the phone much less give me the needed information regarding MY debt.

The companies ( approx. 5 ) listed on the next pages are based on what little information I have, so, I do not know the accuracy of the information provided.

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