Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC
State: GA

Complaint narrative:
Subject : This complaint is submitted to update and validate my concerns for the failure of XXXX and its agent, ACS to adhere to the rules and regulations of the CFPB to their Continued Collection Activity, New Reference Number, and Violation of Communication Restrictions by XXXX XXXX and Advanced Capital Solutions. Existing complaint numbers : XXXX and XXXX. Complaints that they have failed to respond. Please find that the information submitted to me contains new and conflicting reference numbers. I am submitting this update to document ongoing violations by XXXX XXXX, XXXX and their thirdparty collector Advanced Capital Solutions ( ACS ) following my formal dispute, validation request, and the communication restrictions associated with this active CFPB complaint. XXXX XXXX and their collection agent, Advanced Capital Solutions ( ACS ), have continued active collection efforts despite my formal dispute, my request for validation, and the communication restrictions associated with this CFPB complaint. XXXX has now sent multiple paymentdemand emailsincluding one on XX/XX/year> at XXXX XXXX Easternusing inconsistent reference numbers, urgencybased pressure language, and direct payment links, all while failing to provide any validation documentation. These actions demonstrate a clear pattern of noncompliance, improper recordkeeping, and disregard for federal dispute protections, and they warrant immediate regulatory review and corrective action. 1. Continued Collection Activity During an Open Dispute ( FDCPA 809 ( b ) ) On XX/XX/year> at XXXX XXXX XXXX, XXXX sent me another collection email attempting to induce payment. The email included : A monthend closing pressure tactic A low offer settlement solicitation A direct payment portal link Urgency language ( clean start going into XXXX ) This is active collection activity, not neutral informational communication. It occurred after : My written dispute My request for validation The filing of this CFPB complaint The communication restriction associated with this complaint This is a clear violation of FDCPA 809 ( b ). 2. Violation of Communication Restrictions During an Active CFPB Investigation ACS is fully aware that : A CFPB complaint is open Communication restrictions were invoked They are required to cease direct collection contact Despite this, they contacted me again with a collection demand, not a validation response. This is a direct violation of the communication restrictions tied to this complaint. 3. Use of a New and Inconsistent Reference Number This new communication lists a different reference number than the one ACS previously used for the same alleged debt. Previous ACS reference number : XXXX New ACS reference number : XXXX The use of multiple, inconsistent identifiers raises concerns about : Recordkeeping accuracy Chain of custody Recordkeeping accuracy Chain of custody Whether Plaza or ACS possesses reliable account documentation Potential mixedfile or misattribution issues This inconsistency further supports my position that the debt has not been validated and may not be collectible. 4. Failure to Provide Any Validation Documentation To date, neither Plaza Services nor ACS has provided : A copy of the original XXXX agreement Proof of assignment from XXXX to Plaza Proof Plaza authorized ACS to collect An itemized accounting Any documentation bearing my signature Instead, they continue to send payment demands without supplying the required validation materials. 5. Misleading and Coercive Language The XX/XX/XXXX email uses urgencybased language ( closing out XXXX, clean start going into XXXX, low offer before it expires ) designed to pressure payment. This is inappropriate during a dispute and may violate FDCPA prohibitions on misleading or coercive collection practices. 6. Summary of Violations Documented This new communication demonstrates : Continued collection activity during a dispute Failure to validate the debt Violation of CFPB communication restrictions Use of inconsistent account identifiers Misleading urgencybased language Attempt to collect via payment portal link Disregard for the CFPBs ongoing investigation >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> Please accept their most recent communication to validate my claims and concerns : Information regarding your XXXX account. LOGOHEADER.png Your Account : Original Creditor : XXXX Current Creditor : XXXX XXXX Original Account Number : XXXX Reference Number : XXXX Dear XXXX XXXX, We're wrapping up XXXX and want to give you a chance to get ahead of this before the month closes. XXXX your account now means a clean start going into XXXX. You can save money by visiting our online portal and accepting a low offer to close this before it expires. To unsubscribe from our emails, Unsubscribe Visit us online at : XXXX XXXX XXXX >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> I request that the CFPB review this new evidence and require XXXX XXXX and ACS to comply with all applicable federal regulations, including ceasing collection activity until proper validation is provided.

Company response to consumer: Closed with explanation