Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
Affidavit of Complaint XXXX XXXX XXXX I am XXXX of the XXXX XXXX  I was born of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After recieving several harrasing/alarming phone calls form a phone number XXXX, i decided to return to the call after being extremely alarmed. 

After speaking with over XXXX different representative I decided to file this affidavit of complaint to express the willful violations of my protected consumer rights, and the blatant willful noncompliance of all the representative. Who all failed to disclose the nature of the call ; no representative I have spoke with provided disclosure when asked if they were a debt collecting agencies. They blatantly stated that they will only answer yes or no to that question if I provide my name, date of birth and social. I informed them that pursuant to the FDCPA they most disclose the nature and cause of the call and state if it is ab attempted to collected a debt. I was transferred to several supervisors who also failed to disclose this information even when told that i am Reserving all my rights pursuant to ucc XXXX, the XXXX XXXX, XXXX, ftc, cfpb, XXXX. The company was aware of all these rights but still engaged in language fraud, intimidating communication, willful noncompliance and willful violation. 


Affidavit of Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> From : XXXX of the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Regarding Harassing Phone Calls and Violations of Consumer Rights Affidavit : I, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX hereby submit this affidavit to formally lodge a complaint against Halsted Financial Services regarding a series of XXXX  and XXXX  practices following alarming phone calls received from the phone number XXXX. 

XXXX. Background I have received phone calls from the aforementioned number, which have caused me significant distress and alarm. In response to these calls, I decided to return the call to ascertain the nature of the communication. 

XXXX. Conversations with Representatives Upon returning the call, I engaged with over XXXX different representatives. Throughout these interactions, I experienced a consistent failure on their part to disclose essential information regarding the nature of the calls. When I inquired if they were a debt collection agency, all representatives refused to provide an answer unless I disclosed my personal information, specifically my name, date of birth, and Social Security number. 

XXXX. Legal Obligations Ignored I informed each representative that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), they are required to disclose the nature and cause of the call and to confirm whether it is an attempt to collect a debt. Instead of complying, I was repeatedly transferred to supervisors who also failed to provide the necessary disclosures to inform me if the were a debt collection angency of company despite my insistence that I was reserving all my rights under relevant statutes including XXXX XXXX, XXXX, XXXX, XXXX, FTC, CFPB, and XXXX. 

XXXX. Unlawful Practices The consistent refusal of the representatives and supervisors to comply with these legal requirements constitutes willful noncompliance and blatant violations of my protected consumer rights. Their actions have included language fraud, intimidating communication, and a disregard for the legal obligations imposed upon them. 

XXXX. Request for XXXX In light of these experiences, I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to address these violations. I seek assurance that my consumer rights are protected and that measures will be implemented to prevent such unlawful practices from occurring in the future. 

XXXX. XXXX I declare under penalty of perjury that the foregoing is true and correct. 

XXXX. I entered verbal contract with Halsted Financial services for {$1000.00} per minute of phone call, {$1000.00} per transfer, {$1000.00} per violation, and {$150000.00} per report to any and all credit reporting agencies external of the CFPB. All representatives demonstrated acceptance by performance and perfecting contract as per vebal stipulation. 

Signature : XXXX XXXX

Company response to consumer: Closed with explanation