Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ

Complaint narrative:
To the Consumer Financial Protection Bureau and XXXX XXXX XXXX, I submit this formal complaint on behalf of XXXX XXXX, a consumer and United States citizen, regarding Crown Asset Management LLC ( Crown ) and its retained litigation counsel XXXX XXXX, for engaging in deceptive, unfair, and unlawful debt-collection practices, including the knowing circumvention of a binding arbitration agreement, misrepresentation of enforceable rights, and abuse of judicial process in XXXX XXXX XXXX Arizona. 

-- - I. CONSUMER AND CASE INFORMATION Consumer : XXXX XXXX ( Defendant, Pro Per ) Debt Collector / Plaintiff : XXXX XXXX XXXX XXXX Plaintiffs Attorney : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Case No. : XXXX Judge Assignment : Arbitration XXXX | XXXX Case XXXX : Civil Filing Date : XX/XX/XXXX -- - XXXX. SUMMARY OF MISCONDUCT Crown Asset Management and its attorney initiated and pursued court litigation despite the existence of a mandatory arbitration clause governing the alleged account. This conduct was not accidental or excusable. XXXX is a sophisticated debt buyer and XXXX XXXX is an experienced collection attorney who routinely litigates consumer credit matters. 

Proceeding in court instead of arbitration confers unfair leverage, increases consumer cost and stress, and contradicts the very contract Crown seeks to enforce. 

This conduct constitutes a false representation of legal rights, unfair collection practices, and attorney-assisted deception, in violation of federal consumer-protection law and professional ethics. 

XXXX XXXX XXXX. KNOWING CIRCUMVENTION OF BINDING ARBITRATION The underlying consumer agreement contains a binding arbitration provision that expressly governs disputes related to the account and precludes court litigation. 

Despite this : XXXX. Crown Asset Management filed a civil action in XXXX XXXX XXXX XXXX. 
XXXX. Its attorney advanced the litigation rather than initiating arbitration. 
XXXX. Procedural filings were used to simulate compliance while avoiding the proper forum. 

This conduct violates the Federal Arbitration Act and constitutes a false representation of the legal status and enforceability of the alleged debt. 

Governing Authority : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Courts have consistently held that arbitration agreements must be enforced as written and that strategic avoidance is impermissible. 

-- - XXXX. FDCPA VIOLATIONS DECEPTIVE AND UNFAIR PRACTICES By pursuing litigation barred by contract, Crown and its counsel violated : - 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the legal status of a debt - 15 U.S.C. 1692e ( 5 ) Taking action that can not legally be taken - 15 U.S.C. 1692e ( 10 ) Use of deceptive means to collect a debt - 15 U.S.C. 1692f Unfair or unconscionable collection practices Supporting Case Law : - XXXX XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX Ohio XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Attorneys are not immune from FDCPA liability when they participate in or advance deceptive debt-collection conduct. 

-- - V. MISREPRESENTATION OF STANDING AND OWNERSHIP Crown Asset Management is a bulk debt purchaser. In this matter, it has failed to produce account-level proof of ownership, a complete chain of title, or admissible evidence establishing standing, while continuing to litigate. 

Courts have repeatedly ruled that generic bills of sale, affidavits without personal knowledge, and redacted data files are insufficient. 

Relevant Authority : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Continuing collection without lawful standing constitutes ongoing deception. 

XXXX XXXX VI. ATTORNEY ETHICS VIOLATIONS ( XXXX XXXX XXXX XXXXXXXX XXXX conduct raises serious concerns under the XXXX XXXXXXXX XXXX XXXX XXXX, including : - XXXX XXXXXXXX Asserting non-meritorious claims - XXXX XXXXXXXX False statements of law or fact - XXXX XXXXXXXX ( c ) Conduct involving dishonesty, fraud, deceit, or misrepresentation Assisting a debt buyer in circumventing arbitration and misrepresenting enforceable rights constitutes unethical conduct warranting investigation. 

-- - XXXX. CONSUMER HARM As a direct result of this conduct, XXXX XXXX has been : - Forced to defend improper litigation - Deprived of federally protected arbitration rights- Subjected to unnecessary legal stress and expense - Placed at an unfair procedural disadvantage This conduct reflects systemic abuse, not an isolated error. 

XXXX XXXX XXXX. REQUESTED REGULATORY ACTION I respectfully request that the CFPB and relevant agencies : XXXX. XXXX XXXX XXXX XXXX XXXX and its counsel XXXX. Determine whether this reflects a pattern and practice of arbitration evasion XXXX. Impose corrective and enforcement measures XXXX. Refer attorney misconduct to the XXXX XXXXXXXX XXXX XXXX. Require compliance with federal consumer-protection laws -- - XXXX. CERTIFICATION I certify that the foregoing statements are true and correct to the best of my knowledge and belief. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation