Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC
State: MD

Complaint narrative:
Demand for Immediate Cessation of Unlawful Collection Activity by XXXX, XXXX. and AdminRecoveryLLC Since neither XXXX nor its agent AdminRecovery has ever produced a single instrument bearing my wetink signature, yet your contractor unlawfully contacted my family member and disclosed a purported obligation, I formally dispute the debt and place you on notice that all further collection efforts are barred under both the Fair Debt Collection Practices Act, 15U.S.C.1692c ( b ) ( prohibiting thirdparty disclosures ), and 1692g ( b ) ( requiring written validation ). I have no relationship with the alleged debt, and I have never banked with XXXX XXXX in any capacity. As of today, I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), which is enclosed and legally supersedes any claim you attempt to assert.

Let me make one thing abundantly clear : you are not authorized to contact any third party on my behalf, nor is any mailing to former addresses, family members, or any third-party contact valid. I am not in contact with any member of my family, and frankly, that is none of your business. Your actions are not just offensivethey are unlawful. The moment you called my family member and disclosed any information related to a debt, you violated FDCPA 805 ( b ). There are no exceptions here, and your violations are now a matter of federal record. I will not entertain excuses, deflections, or gaslighting responses attempting to justify your actions. The FTC report overrides everything you have to sayyour compliance narratives are meaningless in the face of federal documentation and statutory rights. 

XXXX, your own compliance track record speaks volumes. In XXXX, XXXX levied the largest civil penalty in its history $ XXXXXXXX XXXX XXXX for systemic and sustained violations of the Bank Secrecy Act. You entered a four-year monitorship agreement as a result. In early XXXX, you paid another $ XXXX related to anti-money-laundering failures. And yet again, in XX/XX/XXXX, a former XXXX  employee pleaded guilty to taking bribes in exchange for opening more than XXXX fraudulent accountsfresh evidence of a culture of compliance collapse. Your XXXX  acquisition of XXXX XXXX failed due to unresolved federal scrutiny, and your board continues to churn under consent orders and criminal investigations. XXXX  entire pattern of behavior mirrors the failures that earned XXXX XXXX record-setting penalties for XXXX. Your institutions claim to regulatory credibility is laughable. 

Furthermore, let me be unequivocally clear : if XXXX XXXX  or any representative attempts to delay resolution by contacting me under the guise of needing more information or confirming account details, you will be ignored. I will not supply personal identifying information, account data, or anything elsebecause I do not recognize this account, and I have never opened or used a XXXX XXXX  credit card in my life. I owe you no duty to investigate your records on your behalf. The burden of proof lies solely with you, and any attempt to reverse that obligation will be construed as bad faith and intentional stalling. Under FDCPA 809 ( b ), I have a right to dispute a debt without being coerced into participating in your internal fact-finding. I do not know this debt. I do not recognize it. And I am not afraid of any further unlawful pressure. Attempting to drag this out or shift responsibility will only escalate your liability. 

As for Admin Recovery, your call to my family member is indefensible and constitutes a clear FDCPA violation. You are hereby ordered to cease and desist all collection activity, unless and until you provide all of the following : ( 1 ) a copy of the original signed contract bearing my signature, ( 2 ) the complete and verifiable chain of title from XXXX XXXX  through every assignee, ( 3 ) a full account history from day one, and ( 4 ) a notarized affidavit from a custodian of records with personal knowledge and legal authority. Without those, you are not legally entitled to collect anything from me. Do not contact me again unless it is to provide all four items in writing, at once. 

This account is disputed, unverified, and uncollectible. XXXX XXXX  is directed to immediately retrieve and nullify the file. You are forbidden from selling, transferring, or assigning it to any other debt collection agency, now or in the future. If I am contacted again about this account by any third party, I will initiate civil action for violations of the FDCPA, the FCRA, and the Maryland Consumer Debt Collection Act. I am fully prepared and financially equipped to proceed with litigation. Do not test that. 

All written correspondence related to this matter must be sent only to the official mailing address I have provided in my CFPB complaint. You are expressly forbidden from sending any communicationphysical or electronicto any previously associated, known, or third-party addresses. I will consider any such action a willful violation of FDCPA 805 ( b ) and an escalation of your liability. You do not get to decide where to reach me. That decision has already been made, documented, and submitted through a federal regulatory complaint. Any deviation will be treated as harassment and reported accordingly.

This is final. You are not above the law. Govern yourselves accordingly.

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