Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
To Whom It May Concern, I am filing this urgent and formal complaint with the Consumer Financial Protection Bureau against multiple partiesprimarily Klima, Peters, & Daly ( KPD ) and XXXX XXXX XXXX  ( XXXX ), XXXX engaging in deceptive, abusive, and unlawful collection practices in violation of federal consumer protection laws, including : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 55315536. 


The original debt was with XXXX XXXX, in the approximate amount of {$3000.00} or so, and was charged off after XXXX XXXX refused to accept a reasonable payment arrangement. Since then, the debt has been bought and sold repeatedly, with no legally compliant chain of custody or ownership ever presented. 

Currently, Klima, Peters, & Daly has filed a lawsuit against me in XXXX XXXX XXXX XXXX, Maryland, claiming ownership and attempting to collect on this charged-off account. 

However : KPD has not provided proper validation, as required under 15 U.S.C. 1692g. They lack a valid chain of assignment, making their claim legally deficient.

Multiple prior collectors have already attempted to collect this same debt, which may qualify as double jeopardy and abusive litigation under 12 U.S.C. 5531 ( a ). 


Further, XXXX  XXXX itself is currently facing multiple federal class action lawsuits, including In re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX. XXXX ). These lawsuits allege gross negligence, deceptive practices, and failure to protect consumer dataall of which relate to XXXX XXXX  treatment of consumers and mishandling of sensitive financial matters. 

It is deeply disturbing that, while XXXX XXXX is under federal scrutiny for their own misconduct, debt buyers like KPD are still being allowed to pursue legal action for accounts that : Have been written off and reported as charged-off, Have no verified ownership trail, Have multiple companies trying to collect the debt. 

Still appear on my credit report with damaging, and inaccurate remarks. 


I am asking that the CFPB : 1. Investigate Klima, Peters, & Daly and XXXX XXXX for deceptive, unfair, and abusive acts and practices under the FDCPA, FCRA, and CFPA. 


XXXX. Issue a cease and desist order to prevent any further collection attempts on this account unless the collecting party can provide full legal documentation, including : Original signed contract, Complete chain of title ( from XXXX XXXX to the current claimant ), Account statements with transaction history and dates of sale. 


XXXX. Require all XXXX  credit XXXX, XXXX, and XXXX remove any negative remarks or trade lines associated with this account, as they are inaccurate, unverified, and disputed. 


This harassment must end. I am not the only consumer being targeted in this way, and I urge the CFPB to treat this matter as part of the larger pattern of systemic abuse by both creditors and their third-party collectors. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation