Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
( Cross-referencing prior XXXX XXXX. XXXX ) This is a new formal complaint against Halsted Financial Services because XXXX did not provide a legally sufficient response to Complaint # XXXX. Their response was incomplete, evasive, and did not address the core issues : lack of validation, lack of licensing, illegal communication after dispute, and the improper transfer of a disputed and unvalidated account.

Halsted admitted in their CFPB response that they did not validate the debt and instead merely forwarded my request to their client, which does not satisfy FDCPA 1692g ( b ).

Halsteds handling of this account raises serious legal and regulatory concerns, detailed below.

1. Halsted Is Collecting a Debt They Can not Validate Halsted admitted in their CFPB response that they only notified their client of my validation request.

They did not provide : validation under FDCPA 1692g ( b ) proof of ownership chain-of-title assignment or bill of sale itemized accounting any creditor documentation any proof the debt is real or collectible Forwarding the request to the client does not satisfy the FDCPA.

Halsted initiated collection activity and therefore is legally required to validate it themselves.

Their failure to do so is a direct violation of FDCPA 1692g ( b ).

2. Halsted Never Provided ANY Licensing Documentation Halsted did not provide : New York State debt collection license XXXX XXXX ( Department of Consumer and Worker Protection ) debt collector license registered agent information They ignored the request ( along with others ) entirely, while having the option to upload via. CFPB portal. I have uploaded all documents to support my statements. The portal allows this option for full transparency - leaving Halsted with the same opportunity. 

Because I am a XXXX XXXX XXXXXXXX consumer, these licenses are mandatory. 

Halsted is collecting a debt they can not validate, without demonstrating they are licensed to collect in New York at all.

3. Halsted Contacted Me After Receiving My Written Dispute Despite claiming they placed an immediate cease, Halsted sent text messages after receiving and signing for my written dispute and cease-communication letter.

This violates : FDCPA 1692c ( a ) improper communication FDCPA 1692c ( c ) cease-communication FDCPA 1692g ( b ) continued collection during a dispute Halsted did not address this in their response.

4. Halsted Improperly Transferred My Disputed and Unvalidated Account Halsted forwarded this accountwhich was actively disputed and unvalidatedto other collectors, including : XXXX XXXX XXXX XXXX XXXX XXXX Transferring a disputed account without first validating it is prohibited by FDCPA 1692g ( b ).

Halsted gave no explanation for this action, nor any documentation showing they had the right to transfer the account at all.

5. Halsteds CFPB Response Was Non-Responsive and Avoided All Substantive Issues Halsteds reply to my prior complaint : did not validate the debt, did not provide licensing, did not explain the illegal communication, did not explain the improper transfer, did not provide required records, did not address any statutory violations.

Simply stating the account was closed and returned to the client is not a legal resolution and does not cure any past violations.

6. Halsted Is Collecting a Debt They Can not Validate and Without Providing Evidence They Are Licensed to Collect It Halsteds own letter confirms : They can not validate the debt.

They are collecting on behalf of a client anyway.

They forwarded the account without resolving the dispute.

They have not produced licensing as required by NY State and XXXX. 

This places a consumer at significant risk and violates both state and federal law.

I request that Halsted be required to preserve and produce all internal records related to this account, including system logs, communication records, dispute handling notes, transfer history, licensing documentation, audit trails, and any documents received from their client. These records are necessary for a complete regulatory review and to determine whether Halsted complied with FDCPA 1692g ( b ) and applicable state and city licensing requirements.

Company response to consumer: Closed with explanation