Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Service Bureau, Inc.
State: NE

Complaint narrative:
Consumer wishes to thank the Consumer Financial Protection Bureau ( CFPB ) for providing a venue of evidentiary documentation that helps protect consumer 's from predatory, abusive and deceptive debt collection behavior exhibited by debt collection agencies that believe theyre above the laws that are set-forth by the Fair Debt Collection Practices Act ( FDCPA ) and governed under the Federal Trades Commission ( FTC ). The FDCPA [ 15 U.S.C. Section ( s ) 1692 to 1692p ] prohibits the collector from engaging in many kinds of an abusive or deceptive behavior. General Services Bureau , Inc. is walking a thin line consumer intends to uphold if they do not cease  contact with consumer and leave consumer alone. 

Consumer is filing this complaint against debt collection agency General Services Bureau , Inc., ( GSB ) for engaging in abusive, deceptive collection practices that harms the general public. GSB presented consumer collection letters dating back to XXXX. Accounts listed in the letters are : XXXX - XXXX - XXXX - XXXX referencing debts in XXXX. Consumer does not owe any of them. Under Nebraska Statutes of Limitations laws ( SOL ) the account ( s ) are Time-Barred ( Neb. Rev. Stat. Section 25-212 ). Consumer has no fiduciary or contractual obligation to a third party debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies, junk debt buyers ( JDB ) or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. 

Furthermore, General Service Bureau , Inc., ( GSB ) is in engaging in harassment and abuse under the Telephone Consumer Protection Act ( TCPA ) ( 47 U.S.C. 227 ) by calling consumers cell phone incessantly. At no time has consumer given written ( or implied permission ) to General Service Bureau , Inc. ( GSB ) to contact consumers cell phone. It is a violation of consumers right to peaceful enjoyment of consumers phone and home. The TCPA prohibits any calls made using automated telephone equipment or prerecorded voice. In the event of a violation of the TCPA, a consumer may ( 1 ) sue for up to {$500.00} for each violation or recover actual monetary loss, whichever is greater, ( 2 ) seek an injunction, or ( 3 ) both. In the event of a willful violation of the TCPA, a consumer may sue for up to three time the damages, i.e. {$1500.00}, for each violation.

Consumer demands GSB cease written and telephone contact ( automated or otherwise ) with  consumer IMMEDIATELY! 

This complaint will be shared with the Nebraska Attorney Generals Consumer Protection Division ( AG ) and the Nebraska Secretary of States Office ( debt collection licenses ) due to the fact that General Service Bureau , Inc., ( GSB ) has been sued in the past for violating the FDCPA in the following ways : Using false, deceptive and misleading means to collect a debt. Using harassing and abusive means to collect a debt. Using unfair and unconscionable means to collect a debt. It is time to bring these matters to the attention of the AGs office, Nebraska Secretary of States Office or file a federal lawsuit of consumer 's own. This complaint is a WARNING to GSB. Cease contact with consumer immediately or consumer will pursue this matter through litigation.

Company response to consumer: Closed with explanation