Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: TX

Complaint narrative:
On XX/XX/year>, I sent a certified letter ( XXXX XXXX # : XXXX ) to Plaza Services regarding an alleged debt from the original creditor, XXXX XXXX, with an account number ending in XXXX. In this letter, I requested debt validation as allowed under 15 USC 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I asked Plaza Services to provide the following : Validation of the Debt : Proof that the debt is valid, including a copy of the original contract or promissory note between me and XXXX XXXX, bearing my wet ink signature. 
Date of Debt : The date when the original creditor claims this debt became due and when it became delinquent.

Last Billing Statement : A copy of the last billing statement sent to me by the original creditor.

Account Closing Notice : A late payment notice and/or account closing notice provided by the original creditor. 
Authorization to Collect : A verified copy of the contract Plaza Services has with the original creditor, authorizing Plaza Services to collect the debt on their behalf. 
Licensing : Proof that Plaza Services is licensed to collect debts in my state.

Full Accounting : A general ledger statement showing the full accounting of the alleged obligation, including a commercial affidavit by the original custodian of the books and records.

Proof of Charges : Proof of any interest, fees, or other charges authorized by the credit/loan agreement.

Insurance and Bonds : A certified copy of all public hazard bonds and liability insurance policies held by Plaza Services.

Satisfaction of Debt : Proof that the alleged debt has not already been satisfied by other means, such as a tax write-off, insurance claim, or sale of the debt to a third-party debt collector.

Statute of Limitations : Documentation proving that the statute of limitations has not expired on this debt. 
Verification Method : Documentary evidence regarding how Plaza Services verified the alleged debt. 
On XX/XX/year>, I received documents from Plaza Services claiming to be debt validation under 15 USC 1692g ( b ). The documents included a promissory note that did not have my wet ink signature and did not satisfy the full requirements of debt validation as per the FDCPA. 

I am disputing the adequacy of the documentation provided by Plaza Services and request that they cease all collection activities related to this debt. I assert that Plaza Services has not properly validated the debt under the relevant provisions of the Fair Debt Collection Practices Act and demand that they comply fully with the requirements set forth in 15 USC 1692g ( b ). I also request that all collection actions cease until proper debt validation is provided. 

I have attached the original collection letter and the certified delivery receipt as supporting documentation for my complaint. 
Failure to act will leave me no choice but to pursue further legal remedies to enforce my rights under the FCRA and protect my credit profile.

Company response to consumer: Closed with explanation