Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
CFPB Complaint Halsted Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

Date of Events : XX/XX/XXXX ( XXXX XXXX  ), ongoing Balance Claimed : {$450.00} Companies Involved : Halsted Financial Services ( debt collector sending texts/calls ) XXXX XXXX XXXX ( current creditor listed ) XXXX XXXX XXXX XXXX XXXXXXXX. ( original creditor ) Summary of Complaint I am filing a complaint regarding harassing text messages and unverified collection activity from Halsted Financial Services, acting on behalf of XXXX XXXX XXXX for an alleged XXXX XXXX XXXX  debt. Despite my request to stop communications, the company initiated contact without providing any validation of the debt and without confirming its authority or accuracy under federal law. 

Detailed Description of the Issue XXXX. Unsolicited Debt Collection Text on XX/XX/XXXX On Thursday, XX/XX/XXXX at XXXX XXXX, I received a text message from short code XXXX stating : Take control of your XXXX XXXX XXXX, XXXX. account. Visit XXXX XXXX XXXX or call XXXX. This text is from Halsted Financial, a debt collector. Reply STOP to opt out. 

This message was unexpected and came without : A prior written validation notice Any documentation that I owed the debt Proof that Halsted or XXXX  had the legal right to collect Under the FDCPA 1692g, a debt collector must send written validation within 5 days of first contact. That did not happen. 

XXXX. I Exercised My Right to Stop Communications Immediately after receiving the message, I sent the reply STOP. 

Halsted responded : Halsted Financial, a debt collector : You've successfully unsubscribed and will no longer receive texts. For HELP call XXXX. To opt back in text START. 

Although they claimed I was unsubscribed, the company has continued attempting to contact me. 

This violates : FDCPA 1692d harassment FDCPA 1692c ( c ) communication must stop when consumer requests TCPA ( Telephone Consumer Protection Act ) continued texting after STOP is prohibited XXXX. Halsted Provided an Online Portal but No Verification of the Debt When checking the portal link from the text message, the site displayed : My name ( XXXX XXXX XXXX Halsted reference number : XXXX Current Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : Resurgent Receivables LLC Original Creditor : XXXX XXXX XXXX, XXXX. 

Original Balance : {$450.00} Paid : {$0.00} / Remaining : {$450.00} However, no documents were provided, such as : Original application or contract Billing statements Charge-off statement Assignment paperwork proving Resurgent purchased the debt Itemized transaction history This violates : FDCPA 1692g ( b ) ( must provide verification upon request ) FCRA 1681s-2 ( a ) ( can not report or furnish inaccurate/unverified information ) 4. No Written Validation Notice Was Ever Sent The FDCPA requires a written validation notice within 5 days of initial communication. 
I never received anything by mail or email. 

5. Potential Unauthorized Credit Reporting XXXX XXXX XXXX and XXXX XXXX  ( their sister company ) frequently furnish information to the credit bureaus. 

If they are reporting this account, they are doing so : Without verified documentation Without accuracy Without proof of ownership This violates FCRA 1681e ( b ) and 1681s-2 ( a ). 

Laws Potentially Violated FDCPA 1692g : No written validation notice within 5 days 1692g ( b ) : No proof provided upon dispute 1692d : Unwanted/harassing communications 1692c ( c ) : Failure to cease communication after STOP request TCPA Continued texting after consumer opted out FCRA 1681e ( b ) : Furnishers must ensure accuracy 1681s-2 ( a ) : Can not furnish unverified information What I Am Requesting I respectfully request that the CFPB require Halsted Financial Services and XXXX XXXX XXXX to : Cease all communications with me unless required by law Provide complete validation of the alleged debt, including : Original signed contract Full chain of assignment Itemized accounting Provide documentation showing the debt is legally enforceable and reportable Delete any credit reporting associated with this account if they can not validate it Investigate potential violations of FDCPA, TCPA, and FCRA Conclusion Halsted Financial initiated contact without providing proof of the debt and continued contacting me even after I opted out. The company has not provided any legally required validation and appears to be attempting to collect without documentation. 

I request investigation and corrective action.

Company response to consumer: Closed with explanation