Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
This complaint concerns Halsted Financial Services failure to comply with federal and state debt collection laws, their failure to respond appropriately to my written dispute, and their submission of an incomplete and misleading response to my prior CFPB complaint.

1. Halsted Failed to Provide ANY Legally Required Licensing or Registered Agent Information I specifically requested : New York State debt collector licensing XXXX XXXX debt collector licensing Registered agent details required by NY State law Halsted provided none of these documents in their CFPB response. 

Because I am a XXXX XXXX  XXXX consumer, these licenses are mandatory to collect or attempt to collect any debt. 
Halsted has still not confirmed whether they are legally permitted to collect in XXXX at all. 


2. Halsted Never Validated the Debt Halsted received my written dispute and cease communication notice, signed for it, and : did not provide validation did not provide proof of ownership did not provide chain-of-title did not provide itemization did not provide any creditor documents did not respond to the FDCPA 1692g ( b ) request in any meaningful way Their CFPB response simply said the account was closed and returned to their client, which does not resolve a violation of federal law. 

Returning or closing an account does not cure their failure to validate. 


3. Halsted Contacted Me After Receiving My Dispute On the same day Halsted received my certified dispute letter, they texted me regarding the debt.

This violates : FDCPA 1692c ( a ) improper communication FDCPA 1692c ( c ) cease communication FDCPA 1692g ( b ) continued collection during a dispute Halsted did not address this violation in their response.

4. Halsted Transferred My Disputed, Unvalidated Account to Other Collectors After failing to validate the debt, Halsted : transferred the account to XXXX XXXX XXXX, and then it was transferred again to XXXX XXXX XXXX These transfers happened while my dispute with Halsted was still unresolved.

This violates FDCPA 1692g ( b ) because no collector may continue collection activity ( including transfer ) without first validating the debt.

Halsted did not address why they forwarded a legally disputed account without resolving or validating it.

5. Halsteds CFPB Response Was Incomplete and Evasive Halsteds reply to the previous CFPB complaint : did not provide any of the requested documentation did not address their illegal communication did not explain their licensing status did not explain why multiple debt collectors were assigned did not explain why no validation was provided did not cure any FDCPA violations Simply stating the account was closed is not a legal resolution and does not eliminate the violations that occurred while Halsted actively handled the account.

Please be advised, the CFPB portal allows for documentation uploads. We may utilize this service for full transparency of all documents requested above.

Please refer to previous complaints/CFPB uploads for all documents supporting every statement above.

Company response to consumer: Closed with explanation