Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
I am filing a complaint regarding a debt originally owed to XXXX XXXX, XXXX. that was subsequently charged off and purchased by a third-party debt buyer, XXXX XXXX XXXX XXXX After receiving collection notices from XXXX and their affiliated servicer, I formally disputed the alleged debt and submitted a written debt validation request pursuant to the Fair Debt Collection Practices Act. XXXX XXXX failed to respond with the required documentation or validation. Instead, they escalated collection activity by assigning the account to Halsted Financial Services ( XXXX ), who began issuing collection notices and settlement offers as if they were the original creditor. This conduct is misleading, violates federal debt collection laws, and circumvents the legal requirement to validate the debt before resuming collection efforts. I am therefore, formally requesting that the CFPB investigate XXXX Funding for frequent and blatant violations of the FCRA, XXXX and NJ XXXX and XXXX Consumer Protection Laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/year> VIA CERTIFIED MAIL # XXXX RETURN RECEIPT REQUESTED Halsted Financial Services XXXX. XXXX XXXX XXXX, IL XXXX RE : Formal Debt Validation Request Pursuant to Federal and New Jersey Law Reference Number : XXXX Original Creditor : XXXX XXXX XXXX  ( XXXX Card ) Current Alleged Creditor : XXXX XXXX XXXX Original Account Ending In : * * * * XXXX ________________________________________ Dear Halsted Financial Services : This letter constitutes a formal demand for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the XXXX XXXX XXXX XXXX and Consumer Protection Act, XXXX U.S.C. XXXX et seq. I also invoke my rights under New Jersey XXXX, including the New Jersey Fair Debt Collection Practices Act, XXXX. XXXX et seq., and the New Jersey XXXX XXXX XXXX, XXXX. XXXX et seq. 
I am in receipt of your email communication dated XX/XX/year>, in which you allege a debt of {$4100.00} purportedly owed to XXXX XXXX XXXX and offer a discounted payment plan. I do not acknowledge or admit to any such debt. Accordingly, you are hereby notified that this debt is disputed in full. 
________________________________________ DEMAND FOR DEBT VALIDATION Pursuant to the FDCPA and relevant federal and state statutes, I hereby request the following required documentation : XXXX. The name and address of the original creditor and the full account number from which the debt allegedly originated. 
XXXX. A full and complete itemization of the alleged balance of {$4100.00}, including : o All principal, interest, fees, penalties, and any other charges, o Dates of all alleged charges and payments. 
XXXX. A copy of the original signed contract or agreement creating the alleged debt. 
XXXX. Complete chain of title, including all assignment agreements from Capital XXXX to XXXX Funding, and from XXXX XXXX to Halsted Financial Services ( if applicable ), showing you have standing to collect this debt. 
XXXX. Proof of your authority to collect debts in New Jersey, including your license or registration number with the New Jersey Department XXXX Banking and XXXX ( XXXX ). 
XXXX. A statement indicating whether the alleged debt is within the applicable statute of limitations under XXXX. XXXX ( XXXX years for contract claims in New Jersey ). 
XXXX. A copy of your firm 's privacy policy and any applicable call recordings, correspondence, or emails pertaining to this alleged debt. 
________________________________________ CEASE COLLECTION AND REPORTING IMMEDIATELY You are hereby instructed to immediately cease all collection efforts including calls, emails, letters, and credit reporting until such time as full and complete debt validation has been provided, as required by XXXX U.S.C. XXXX ( b ). Any further collection efforts without such validation will constitute willful violations of federal and state law. 
Additionally, if you or your client have reported this alleged debt to any credit reporting agency, you are now on notice of a dispute. Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) of the FCRA, XXXX must : Mark the tradeline as " disputed '' on all reports, Cease furnishing information that you know or should know is inaccurate, remove the tradeline entirely if you can not substantiate the debt. 
Please note : XXXX XXXX LLCs policy to delete its tradeline upon settlement does not negate your legal obligation to accurately report disputes to consumer reporting agencies in the interim. 


________________________________________ NOTICE OF LEGAL PRESERVATION & POTENTIAL ACTION Be advised that all violations of federal and state law are being documented. I am preserving all rights and remedies under : The FDCPA, which provides statutory damages up to {$1000.00} per violation, The FCRA, which provides for actual, statutory, and punitive damages, And the New Jersey Consumer Fraud Act, which allows for treble damages and attorneys ' fees. 
Additionally, this letter serves as a formal litigation hold notice. You are instructed to preserve all documents, emails, contracts, recordings, and internal notes relating to this alleged debt, this account, and any communications with me. XXXX or alteration of such evidence XXXX result in sanctions or adverse inferences in any future litigation. 
________________________________________ NOT A REFUSAL TO PAY This letter is not a refusal to pay but a good-faith attempt to seek full and lawful validation of a disputed debt. You are prohibited from interpreting this request as a refusal to pay under 15 U.S.C. 1692g ( b ). 
________________________________________ XXXX XXXX You have 30 days from receipt of this letter to comply. Failure to provide adequate validation will result in this matter being considered closed and any future collection efforts will be deemed continued violations of law. 
________________________________________ Sincerely, XXXX XXXX ________________________________________ Enclosure : XX/XX/year> collection email ( Exhibit A )

Company response to consumer: Closed with explanation