Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: TX

Complaint narrative:
Summary of Complaint I am filing this complaint regarding XXXX failure to properly handle a documented identity theft case, resulting in wrongful debt assignment, continued interest accrual, credit damage, and collection activity on fraudulent charges. Despite receiving certified identity theft notifications, a police report, and an FTC Identity Theft Report, XXXX : Failed to respond within required timeframes Misclassified the fraud and investigated the wrong issue Held me responsible for a fraudulent balance transfer Continued billing, reporting delinquencies, and sending the account to collections This is inconsistent with obligations under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA 605B ). ________________________________________ Key Facts Fraud occurred XXXX XXXX involving multiple institutions Unauthorized balance transfer from XXXX XXXX XXXX in the amount of ~ {$10000.00} posted to my XXXX account Fraud is documented in : XXXX Police report and FTC Identity Theft Report XXXX received certified written notice on : XX/XX/XXXX and XX/XX/XXXX ( with police & FTC reports ) XXXX first acknowledgement was XX/XX/XXXX, after sending the account to collections Balance increased to {$11000.00} due to interest/fees during dispute ________________________________________ Issue 1 Failure to Respond to Identity Theft Notices XXXX received multiple certified notifications of identity theft but : Did not acknowledge within 30 days Did not conduct or communicate an investigation Did not block reporting of identity theft-related information They only responded after initiating collections. This is a breakdown of required identity theft handling procedures. ________________________________________ Issue 2 Misclassification of Fraud ( Defective Investigation ) I consistently reported : Unauthorized balance transfer tied to a broader identity theft scheme XXXX instead investigated : Account you said wasnt yours As a result : The actual fraudulent transaction ( balance transfer ) was never investigated Supporting evidence ( police report, FTC report ) was ignored XXXX relied on irrelevant criteria ( address, phone number, etc. ) They concluded I was responsible for the debt as a result of the defective investigation This reflects a procedurally defective investigation. ________________________________________ Corroborating Evidence XXXX XXXX XXXX Fraud Confirmation XXXX XXXX XXXX independently investigated the same identity theft event and : Confirmed the activity as fraudulent Reversed the associated charges The XXXX balance transfer was part of the same fraud pattern originating from my XXXX XXXX XXXX accounts. This confirms : Unauthorized actors had access to my financial accounts The balance transfer into XXXX was not authorized by me Citibanks conclusion I am responsible for the debt is inconsistent with verified findings from another institution ________________________________________ Issue 3 Improper Billing, Reporting, and Collections Despite receiving formal identity theft documentation, XXXX : Continued to treat the balance as valid debt Charged over {$1000.00} in interest and fees Reported 30/60/90-day delinquencies during an active dispute Sent the account to a third-party debt collector Failed to block identity theft-related credit reporting This caused financial harm and credit damage. ________________________________________ Impact Fraudulent debt assigned my responsibility Over {$1000.00} in additional charges Credit damage due to delinquency reporting Collection activity on identity theft-related debt

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