Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BQ & Associates, P.C., L.L.O.
State: GA

Complaint narrative:
Issue : False statements or representations/ Collecting debt not owed/ Continued collection after dispute resulting in a Void Default Judgement This supplements CFPB Complaint No. XXXX. XXXX XXXX XXXX, XXXX. ( XXXX XXXXXXXX XXXX. XXXX ) is a debt collector under 15 U.S.C. 1692a ( 6 ), retained by BQ & Associates to collect on Account No. ending XXXX, originally issued by XXXX XXXX XXXX XXXX XXXX ( XXXX ). Violation XXXX Collecting a Debt No Party Has Legal Authority to Collect : SEC public filings for First National Master Note XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) establish that XXXX securitized credit card receivables including accounts of this type through a " true sale '' structure : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note Trust. Legal title to the receivables transferred to the XXXX. XXXX retained servicing rights only. XXXX 's own written response to CFPB Complaint No. XXXX, dated XX/XX/year>, confirms the account was " charged off on XX/XX/year> and forwarded to BQ & Associates for collection '' not sold or assigned. XXXX, as servicer only, had no title to assign. BQ & Associates therefore received only account information and a collection mandate from a party that itself held no ownership interest. BQ & Associates acquired no title to the receivable. The Trust which holds legal title has never appeared, been identified, or authorized collection activity against XXXX XXXX XXXX. No party with legal authority to collect this debt has been identified or has made a proper demand. XXXX collected, and continues to collect, in the name of XXXX a party that holds only servicing rights on behalf of BQ & Associates a party that received only information, not title. This is a false representation of the identity of the creditor, the character of the debt, and the legal status of the obligation in violation of 15 U.S.C. 1692e ( 2 ), 1692e ( 10 ), and 1692f. Violation XXXX Failure to Validate Debt Upon Written Request : XXXX XXXX XXXX submitted a written debt validation request on XX/XX/year>. XXXX failed to respond within the required XXXXday period under 15 U.S.C. 1692g ( b ). No validation including chain-of-title documentation from the securitization trust has ever been provided. Violation XXXX Continued Collection After Written Dispute Without Validation : Following the written dispute and validation request, XXXX continued collection activity without first providing verification of the debt, the name and address of the original creditor, or any documentation establishing the current legal owner of the receivable all required under 15 U.S.C. 1692g ( b ). Violation 4 False Representation of the Current Creditor 's Identity : XXXX represented XXXX as the creditor entitled to collect. XXXX 's own federal regulatory admission and its SEC filings establish XXXX is the servicer only. The true creditor the Trust was never disclosed to XXXX XXXX XXXX at any point during collection. This violates 15 U.S.C. 1692e ( 2 ), 1692e ( 14 ), and 1692g ( a ) ( 2 ), which require disclosure of the name of the creditor to whom the debt is owed. Violation XXXX XXXX XXXX XXXX XXXX : Impersonating Counsel for XXXX Without Authorization : In all collection communications and demands directed to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. represented itself as counsel for XXXX XXXX XXXX XXXX XXXX. XXXX 's own written response to CFPB Complaint No. XXXX, dated XX/XX/year>, establishes that XXXX & XXXX not XXXX retained and authorized XXXX XXXX XXXX XXXX XXXX. to conduct collection activity. XXXX never retained, authorized, or directed XXXX to act as its counsel. Every communication, demand, and representation XXXX directed to XXXX XXXX XXXX XXXX XXXX as XXXX 's attorney was therefore a false representation of the attorney 's principal, the identity of the creditor on whose behalf collection was being sought, and the source of the XXXX XXXX. XXXX collected on behalf of XXXX XXXX XXXX a party with no title to the receivable while falsely holding himself out as authorized counsel for XXXX. This constitutes a false and deceptive representation in connection with the collection of a debt in violation of 15 U.S.C. 1692e ( 3 ), 1692e ( 10 ), and 1692j the last of which prohibits furnishing a form to create the false belief that a person other than the creditor is participating in the collection when that person is not. Attached : XXXX. XXXX 's CFPB XXXX, XX/XX/year> ( XXXX XXXX. XXXX ) XXXX. XXXX XXXX XXXX XXXX ' Signature as " XXXX for XXXX '' XXXX. XXXX SEC XXXX Filings Showing that no party in the collection chain held legal title to the receivable. XXXX. Notice of Intent to Sue and Accounting Request per OCGA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation