Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
XX/XX/year> Continental Service Group, XXXX XXXX. ConServe Subject : Verification of Signature, Documentation of Signed Documents, Debt Payment, and Amount Paid by Conserve Reference Number XXXX To Whom It May Concern, I am requesting immediate clarification and verification regarding the matter associated with reference number XXXX. Specifically, I demand the following : Verification of Wet Signature : Under FDCPA Section 809 ( b ), provide confirmation whether the documents related to this matter contain my wet signature. If there is any issue with this, I expect you to provide the necessary documentation to resolve it. Failure to do so may constitute a violation of FDCPA Section 807 ( 8 ) ( misleading representations or deceptive practices ).

Documentation of Signed Agreement with ConServe and Ownership of Debt : Under FDCPA Section 809 ( a ), provide a copy of the signed agreement between myself and ConServe, including documentation showing my signature on all relevant contracts. You must also provide proof of ownership of this debt, showing how ConServe obtained it and any supporting documentation for the transfer of ownership. Failure to do so is a violation of FDCPA Section 809 ( a ) ( validation of the debt upon request ). 

Debt Payment : Provide a full, detailed breakdown of this matter, including the original amount, any payments made, and any fees or charges that have been applied. This must be complete and accurate, as required under FDCPA Section 809 ( a ). Any misrepresentation of payment amounts or failure to disclose this information could be a violation of FDCPA Section 807 ( 2 ) ( false or misleading representations ).

Amount Paid by Conserve : Provide verification of the total amount paid by Conserve for this debt. If the amount paid is less than what is reported in your records, this violates the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ) ( accuracy of information ) and Section 1681i ( correction of inaccuracies ). Any discrepancies need to be corrected immediately and in accordance with Section 1681s-2 ( furnishers of information ). Additionally, if the amount reported differs from the amount paid, this may also be a violation of FDCPA Section 807 ( 2 ) ( false or misleading representations regarding the amount of debt ).

Additionally, note that debts sold to collection agencies are typically purchased for pennies on the dollar. If the amount this debt was purchased for does not match your records, this debt must be canceled and removed from all credit reporting agencies. This failure to accurately report the purchase price may violate FDCPA Section 807 ( 8 ) ( misleading representations about the status of the debt ).

I remind you that under the Fair Credit Reporting Act ( FCRA ) and FDCPA, you are required to provide accurate information. If there is any inaccurate or false information reported to credit bureaus, including missing signatures or incorrect payment details, it must be corrected immediately. Further, under FDCPA Section 806 ( Harassment or abuse ), you are prohibited from engaging in any practices that constitute harassment in relation to this debt. 

For reference, my name is XXXX  and my reference number is XXXX. I expect a response with the requested verification and documentation without delay, as required by FDCPA Section 809 ( a ). 

Sincerely,

Company response to consumer: Closed with explanation