Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FOOTHILL CAPITAL SOLUTIONS LLC
State: GA

Complaint narrative:
I am filing a complaint regarding repeated and ongoing harassment by Foothill Capital Solutions related to an alleged debt originally associated with XXXX. 

XXXX has confirmed in a prior response to the CFPB that the alleged debt was sold and is no longer owned or collected by XXXX. In that response, XXXX submitted documentation and identified XXXX XXXX XXXX as a related party. XXXX XXXX XXXX has stated that they will not pursue or attempt to collect this alleged debt. 

Despite this, Foothill Capital Solutions has repeatedly contacted me by phone attempting to collect on this same alleged debt without providing any written debt validation, proof of ownership, or documentation establishing legal authority or chain of title, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I requested formal debt validation from Foothill Capital Solutions. During these communications, the company stated that they were not a debt collector, but instead were providing a recommendation regarding how I should handle the alleged debt. 

Despite claiming they were not a debt collector, Foothill Capital Solutions continued to contact me by phone regarding the alleged debt and engaged in conduct consistent with debt collection activity. The company further stated that they would send their recommendation to XXXX, rather than provide the legally required written debt validation. 

Representing themselves as not being a debt collector while engaging in collection-related communications is misleading and deceptive. Labeling these contacts as a recommendation does not change the nature of the activity. If a company contacts a consumer regarding an alleged debt, it constitutes debt collection activity regardless of how it is described. 

I am disputing this alleged debt. I requested written validation and asked that phone contact stop. Despite this, Foothill Capital Solutions continues to place collection calls. 

During these calls, Foothill Capital Solutions stated that I could not exercise my right to a cease-and-desist because the contact was a recommendation from XXXX. This statement is false and misleading. Under FDCPA 1692c ( c ), I have the right to demand that a debt collector cease communication, and no exception exists for so-called recommendations.

I am formally exercising my right to cease and desist all telephone contact. Any further communication must be in writing only and must include lawful debt validation.

The continued calls constitute harassment and violations of FDCPA 1692d ( harassment ), 1692e ( false or misleading representations ), and 1692g ( b ) ( failure to provide validation and continued collection activity ).

I am requesting that the CFPB require Foothill Capital Solutions to : 1. Cease all collection calls immediately 2. Provide lawful written debt validation and proof of authority, or cease collection entirely 3. Confirm that no negative credit reporting will occur regarding this alleged debt

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