Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: FL

Complaint narrative:
AFFIDAVIT OF TRUTH To Whom It May Concern, I, XXXX XXXX XXXX, the undersigned consumer, hereby provide the following affidavit in regard to the alleged debt under account number ending in XXXX with XXXX XXXXXXXX, XXXX. I affirm the following facts, which I believe to be true to the best of my knowledge : FACT # XXXX : FDCPA Violations ( 15 USC 1692c ( c ) ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay an alleged debt and wish to cease further communication, the debt collector is prohibited from continuing communication with the consumer except for certain circumstances. 



Despite this, the collection agency has willfully continued to contact me, violating federal law. The communications regarding the account ending in XXXX from XXXX XXXX, XXXX. have violated this provision, and I demand an immediate cessation of any further communication, unless required by law. 



FACT # XXXX : Verification of Debt and FCRA Compliance ( 15 USC 1692g and 15 USC 1681 et seq. ) Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., and FDCPA Section 1692g, the debt collector is required to provide verifiable proof of the debt. Specifically, I demand the original signed consumer contract and any relevant documentation proving the legitimacy of the debt, which must include a wet signature. Copies or facsimiles of such documents are not valid proof as per the law. 



I request that you provide this documentation as required by law. Failure to do so will result in the violation of both the FCRA and FDCPA. 



FACT # XXXX : Prohibition Against Threats and Harassment ( 15 USC 1692d ) Under FDCPA Section 1692d ( XXXX ), federal law prohibits debt collectors from using or threatening to use XXXX or criminal means to harm the physical person or property of the consumer. I have never agreed to or consented to any form of harassment, including threats of placing the account in derogatory status. No threats or intimidation were made by me or authorized by me, and I reject any such claims. 



FACT # XXXX : Prohibition of False or Misleading Representations ( 15 USC 1692e ) As per FDCPA Section 1692e, a debt collector is prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Specifically, the debt collector must not : Misrepresent the character, amount, or legal status of any debt. 

Misrepresent or imply that the individual collecting the debt is an attorney, or that the communication is from an attorney. 

Imply that failure to pay the debt will result in arrest, imprisonment, or the seizure of property, wages, or any other unlawful action. 

I request that you immediately cease any further communication that implies or misrepresents such actions. 



FACT # XXXX : Prohibition of Unauthorized Legal Actions ( 15 USC 1692i ) Under FDCPA Section 1692i-2 ( B ), legal actions taken by a debt collector must comply with specific jurisdictional rules. The debt collector must bring legal action in the judicial district where the consumer resides or where the contract was signed. 



It is clear that the debt collection efforts in this matter do not meet these legal requirements. I demand that you cease and desist any further attempts to initiate legal proceedings outside of the proper jurisdiction, as required by federal law. 



FACT # XXXX : Unlawful Use of Envelopes or Mailings ( 15 USC 1692f ( XXXX ) ) Under FDCPA Section XXXX ( XXXX ), debt collectors are prohibited from using any language or symbols other than the debt collectors address on the envelope. If such symbols or language were used in an attempt to collect this debt, it constitutes a violation of federal law. I request that you confirm the envelope ( XXXX ) used in your communication with me were compliant with this provision. 



FACT # XXXX : Cease and Desist Request In light of the above violations and non-compliance with both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I formally request that you : Cease all collection attempts immediately. 

Provide verifiable proof of the alleged debt. 

Remove any negative reporting related to this debt from my credit report. 

I expect your immediate compliance with these requests. Failure to do so will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state agencies, and may lead to legal proceedings for violation of my rights under federal law. 



Please consider this letter as a formal demand for verification of the debt and a cessation of any further collection efforts until such time as the legal requirements have been met. 



FACT # XXXX : Conclusion I reserve all rights to pursue legal remedies in the event that these violations continue. Please provide the requested documents and confirm the cessation of collection activities in writing within 30 days of receipt of this letter. 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation