Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: F.H. Cann & Associates, Inc.
State: NV

Complaint narrative:
Hello, I believethere may have been a mishandling of some sort of the accounts where information of certain terms have not been applied to meet certain conditions causingmaterial defects, penalty interests and fees when dealing with service providers and transacting with the goods. I have never consented to the transfer, sale or use of the name or account information mentioned in the correspondence. The unauthorized transactions and forgery of the name and handling of personal information without consent or signature is Identity Theft & After contacting the IRS they explained that this was illegal & that you were reporting this information to a credit report agency. 

I need more information and I have a Few questions : Where is and who gave you authority to collect on account? 

Do you understand that there is a security interest and security agreement attached to this account?

What date Was the account purchased by you?

What was the Cost at the point of Sale?

What is the present value of the goods used on Account and is there a difference in the amounts from the point of Sale?

Under What authority did you have to Purchase the account and use the name associated with it?

Who had this account prior to placement with your organization?

Whats the price at this present moment?

Can you provide a true bill?

I have a right to know the specified or particular information as It is needed for fair and accurate dealings in order to make an informeddecisionwhile transacting with a party who does not have a contractual agreement with the individual named.

Also you have commited the following FDCPA Violations : 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

You are harming my reputation which is a violation.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

I Demand {$1000.00} dollars as you have caused severe damage to my character & For relief Under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficent validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you alrerady committed.

Company response to consumer: Closed with explanation