Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: HI

Complaint narrative:
Summary of the Issue : Halsted Financial Services has sent me 63 emails attempting to collect a debt allegedly owed to XXXX XXXX XXXX. I never received a validation notice, a 30day dispute notice, a 5day letter, or any communication from XXXX. All 63 emails were sent without my consent, without required disclosures, and addressed to the wrong name ( XXXX XXXX instead of my legal name XXXX XXXX XXXX, XXXX ). 

The emails also contain contradictory creditor information ( XXXX XXXX XXXX account while simultaneously stating Current Creditor : Resurgent Receivables LLC ), which misrepresents the legal status of the debt. 

This appears to be a systemic violation of the FDCPA, Regulation F, FCRA, and Hawaii UDAP.

Details of the Problem : 1. No validation notice was ever provided Halsted began contacting me by email on XX/XX/year>. 

I never received : A validation notice A 30day dispute notice A 5day followup letter Any written notice from XXXX  This violates FDCPA 1692g ( a ) and Regulation F 1006.34.

2. Unauthorized email contact I never gave Halsted permission to email me.

I never emailed Halsted first. 
I never gave Resurgent permission to email me. 
Consent with XXXX does not transfer to thirdparty collectors.

Halsted sent 63 emails without consent.

This violates FDCPA 1692c and Regulation F 1006.6.

3. Identity mismatch All 63 emails were addressed to XXXX XXXX, which is not my legal name. 
My legal name is XXXX XXXX XXXX, XXXX. 

This raises serious concerns about : Identity verification Accuracy Misidentification Improper collection activity Potential inaccurate credit reporting This violates FDCPA 1692e and FCRA 1681e ( b ).

4. Harassment and excessive frequency Halsted sent 63 emails between XX/XX/year> and XX/XX/year>. 

This violates Regulation F 1006.14 and FDCPA 1692d.

5. Misrepresentation of creditor Halsteds emails contain contradictory statements : Subject line : Pay your WebBank account Body text : Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX  Halsted has provided no proof of : Assignment Ownership Chain of title Authority to collect This violates FDCPA 1692e ( 2 ) ( A ) and 1692e ( 10 ). 

6. No communication from XXXX XXXX XXXXXXXX Halsted claims XXXX  is the current creditor, but : I never received a letter from XXXX  I never received a validation notice I never received a transfer notice I never received any communication at all XXXX  has provided no proof they own this debt. 

This violates FDCPA 1692g ( a ), 1692e, and FCRA 1681e ( b ).

7. Potential inaccurate credit reporting I have not yet pulled my credit reports for this account.

If Halsted or XXXX  reported anything under the wrong name ( XXXX XXXX XXXX, this would be : FCRA 1681e ( b ) violation FDCPA 1692e violation Hawaii UDAP violation I am requesting confirmation of whether any reporting occurred. 

* * * Additional Company Involved : XXXX XXXX XXXX XXXX  is listed in Halsteds emails as the current creditor to whom the debt is owed.

However : I have never received any communication from XXXX. 
No letter, no email, no phone call, no validation notice, no transfer notice. 

Resurgent never provided the required validation notice under FDCPA 1692g ( a ).

XXXX  never notified me that they allegedly purchased or were assigned this account.

Resurgent never provided proof of ownership or chain of title. 

XXXX  never verified my identity, yet Halsted sent 63 emails addressed to the wrong name ( XXXX XXXX instead of my legal name XXXX XXXX XXXX, XXXX ). 

Resurgent has not provided any evidence that they had authority to assign this account to Halsted.

XXXX  may have reported inaccurate information to the credit bureaus, and I am requesting confirmation of : Whether they reported anything Under what name On what dates To which bureaus XXXX  failure to communicate with me at all violates : FDCPA 1692g ( a ) FDCPA 1692e FCRA 1681e ( b ) Hawaii UDAP ( HRS 4802 ) Attachments I Am Including : Drivers License ( proof of legal name ) Representative Halsted email ( XX/XX/year> ) Log of XXXX emails ( dates and times )

Company response to consumer: Closed with explanation