Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Company Complained About Security Credit Services ( Also involving XXXX XXXX XXXX XXXX  ) Complaint Narrative I am filing this complaint against Security Credit Services for unlawful debt collection practices, failure to provide legally required debt validation, and furnishing materially false information to consumer reporting agencies in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



This matter involves a charged-off credit card account originally issued by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX which was charged off with an amount of {$2100.00}, as reflected on my XXXX  credit report. Despite this, Security Credit Services is attempting to collect and report an inflated balance of {$3000.00}, a figure that directly conflicts with the original creditors charged-off amount. 



The screenshots attached clearly show : Charge-off amount by original creditor : {$2100.00} Amount Security Credit Services is reporting and attempting to collect : {$3000.00} No explanation, itemization, or contractual basis for the additional {$860.00} being demanded Failure to Validate the Alleged Debt I have formally requested debt validation from Security Credit Services pursuant to 15 U.S.C. 1692g ( b ) due to these conflicting dollar amounts. These requests were ignored or refused, and no competent evidence has been provided to substantiate : The accuracy of the {$3000.00} balance Any lawful assignment or transfer of rights allowing collection beyond the {$2100.00} charge-off Any contractual or statutory basis for post-charge-off additions This is no longer a dispute. This is a formal demand for immediate debt validation, which Security Credit Services has failed to provide. 









Unlawful Collection and Credit Reporting By attempting to collect and report an amount greater than the original creditors charged-off balance, Security Credit Services is engaging in conduct that constitutes : False representation of the character and amount of a debt ( FDCPA 1692e ( 2 ) ( A ) ) Use of unfair or unconscionable means to collect a debt ( FDCPA 1692f ( 1 ) ) Furnishing inaccurate and misleading information to consumer reporting agencies ( FCRA 1681s-2 ( a ) and 1681s-2 ( b ) ) Continuing collection activity without providing validation ( FDCPA 1692g ( b ) ) The continued reporting of {$3000.00} is materially false and misleading and is causing ongoing harm to my creditworthiness. 









Potential Fraud Concerns This conduct raises serious concerns of fraudulent debt inflation, as Security Credit Services appears to be attempting to collect amounts never owed and never charged off by the original creditor. Absent lawful documentation, this conduct may constitute intentional misrepresentation and deceptive collection practices. 









Demand for Resolution I hereby demand that Security Credit Services : Immediately delete this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) ; OR Provide full, competent debt validation, including : The original signed contract A complete payment history A lawful itemization justifying any amount beyond the {$2100.00} charge-off Proof of legal standing to collect the alleged balance If this account is not deleted within 15 days of receipt of this complaint, I am prepared to file a federal lawsuit against : Security Credit Services , and XXXX XXXX XXXX XXXX for violations of the FDCPA and FCRA, seeking statutory damages, actual damages, attorneys fees, and injunctive relief. 









Requested CFPB Action I am requesting that the CFPB : Investigate Security Credit Services unlawful collection and reporting practices Require deletion of this account due to unverifiable and conflicting balances Ensure compliance with federal consumer protection laws Final Statement Security Credit Services has been given ample opportunity to validate this alleged debt and has failed to do so. Continued reporting and collection of an inflated balance is unlawful and will not be tolerated. 



This complaint serves as formal notice of violations and intent to litigate.

Company response to consumer: Closed with explanation