Consumer complaint received 2025-08-08 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: ID

Complaint narrative:
I am filing this complaint against Capital Management Services , LP ( CMS ) regarding their attempts to collect an alleged debt originally owed to XXXX. The original account number with XXXX was XXXX XXXX XXXX, and according to my records, the original debt amount was {$3100.00}. 
CMS has contacted me on one or two occasions regarding this alleged debt. In their communications, CMS has claimed that I owe {$3500.00}, which is {$370.00} more than my records indicate. This significant discrepancy includes unexplained charges that have not been itemized or justified. CMS has failed to provide any documentation explaining how they calculated this increased amount or what authority permits them to add these charges. 
On XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by sending a written debt validation request to CMS at their address : XXXX XXXX XXXX, XXXX, NY XXXX. In this request, I specifically asked CMS to provide : Verification of the debt amount and an accounting of how it was calculated ; Documentation showing CMSs legal right to collect this debt ; A copy of the last billing statement from the original creditor ; The complete chain of ownership of the debt ; The date the debt became delinquent ; and Documentation of the original creditors assignment of the debt to CMS.

Following my validation request, CMS provided an inadequate response that failed to include the required documentation under the FDCPA. Specifically, CMS failed to : Provide verification of the debt amount, including an explanation of the {$370.00} discrepancy ; Supply documentation establishing their legal right to collect this debt ; Include information about the original creditor ( XXXX ) beyond basic identification ; Provide account details necessary to verify the debts validity ; Document the chain of custody of the debt from XXXX to CMS ; and Explain the calculation of additional fees and interest. 
Despite this inadequate response, CMS has continued their collection efforts and has reported this disputed debt to credit reporting agencies. 
CMSs actions constitute multiple violations of the FDCPA, 15 U.S.C. 1692g, and the Consumer Financial Protection Bureaus Regulation F, 12 CFR Part 1006, including but not limited to : Failure to provide verification of the debt upon written request ( 1692g ( b ) ) ; Failure to cease collection activities after receiving a written dispute until verification is provided ( 1692g ( b ) ) ; Failure to provide information about the original creditor as required by law ( 1692g ( a ) ( 5 ) ) ; Attempting to collect an amount not authorized by the original debt agreement or permitted by law ( 1692f ( 1 ) ) ; and Reporting disputed and unverified debt information to credit reporting agencies.

Additionally, CMSs actions may violate the Idaho Consumer Protection Act, Idaho Code 48-601 et seq., which prohibits unfair and deceptive practices in consumer transactions. 
Complete removal of this debt from all credit reporting agencies records ; Immediate cessation of all collection activities related to this debt ; Written confirmation that CMS has ceased all collection efforts and credit reporting related to this account ; A formal investigation by the CFPB into CMSs debt validation procedures and practices, which appear to systematically violate consumers rights under the FDCPA and Regulation F ; and Any other appropriate remedies available under applicable federal and state consumer protection laws.

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