Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: PA

Complaint narrative:
To : XXXX XXXX XXXX Date of Contact via SMS : XX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> at XXXXXXXX XXXX Phone/Text From : XXXX Reference URL/Text : XXXX XXXX XXXXXXXX To : XXXX XXXX XXXX Date of Contact via SMS : XX/XX/year> at XXXXXXXX XXXX XXXXXX/XX/year> at XXXXXXXX XXXX Phone/Text From : XXXX Reference URL/Text : XXXX XXXX XXXXXXXX Dear AssetCare, I am formally requesting debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). Under federal law, you are required to cease all collection activities, including calls, text messages, and threats of negative credit reporting until this debt is validated. I am invoking my rights under the following laws and statutes : 1. Debt Validation Request under FDCPA and FCRA I request full validation of the alleged debt, including : A complete account history and itemized breakdown of the alleged debt. 


A copy of the original signed contract or instrument bearing my signature under the Truth in Lending Act ( 15 U.S. Code 1601 et seq. ).

The name and address of the original creditor.

A full chain of assignment, including the bill of sale and/or transfer agreement from the original creditor to your agency, per 15 U.S.C. 1692g.

Proof that this debt has not been securitized or otherwise discharged. 
The date and amount of the original debt. 
Proof of your legal authorization to collect this debt in my state. 
Proof i gave consent for Medical provider to share protected health information. 

Additionally, please provide documentation confirming that this alleged debt has not been : Discharged through bankruptcy.

Satisfied, paid, or forgiven.

Subject to identity theft or fraud.

2. Cease and Desist Request This email shall serve as my formal Cease and Desist notice under 15 U.S. Code 1692c ( c ). Effective immediately, you are to cease all communication with me via telephone and text messaging. From this point forward, you may only contact me via United States Postal Service ( USPS ) mail.

3. Potential Legal Violations Your continued text messages may be considered harassment and coercion, especially if the debt is unverified. If your collection practices include threats or intimidation, you may be in violation of : 18 U.S. Code 894- Collection of extensions of credit by extortionate means.

If you do not comply with this request, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Lastly, if the alleged debtor is deceased, this communication may also be in violation of ethical debt collection practices. Please confirm whether the account is associated with a deceased individual and provide legal documentation of your authority to contact me. 

All future communication must be sent in writing to the address listed on documents, you have with my phone number along with any mailing address you may have that's tied to this phone number to validate that you actually have the right person along with the list of information provided in the letter Failure to comply with this request may result in legal action. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief