Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc.
State: SC

Complaint narrative:
Authorized representatives : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Complaint Handler, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, with XXXX XXXX, of Client Services Inc., are debt collectors demanding {$4900.00} with the intentions of damaging my credit files if not received within their version of a timely manner. 
On XX/XX/XXXX Client Services IncXXXX, presented a Demand for payment letter and I replied with a validation notice via certified mail. 

On XX/XX/XXXX XXXX XXXX began to harass me using such statements as we have many payment options that may meet your individual needs, I want to work with you to find a payment solution that fits your needs, please call me, and I look forward to working with you to resolve this balance. 

PAYMENT OPTION NOTICE dated XX/XX/XXXX reads FOR IMPORTANT RIGHTS AND PRIVELEGES WHICH MIGHT APPLY TO YOUR STATE OF RESIDENCE, PLEASE SEE BELOW OR REVERSE SIDE. Client Services Inc., provided no information below or on the reversed side of their payment option notice. ( please see attachments ) Client Services IncXXXX, is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

The carefully documented terms you, and your do not apply to me. Who placed this account with Client Services IncXXXX, who authorized the use of my social security number to XXXX XXXX? 

Client Services InXXXX, is now the 2nd debt collector attempting to collect an alleged debt on behalf of XXXX XXXX XXXX XXXX XXXX with no support of an agreement with/from either party. 

Authorized representatives : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX for Client Services IncXXXX, are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to Client Services IncXXXX XXXX XXXX behalf of XXXX XXXX  XXXX XXXX XXXX XXXX 

I am not a party to any agreements Client Services Inc., may or maXXXX not have with XXXX XXXX XXXX XXXX XXXX. I am not responsible for Client Services Incs purchase / transfer from XXXX XXXX XXXX XXXX XXXX or known affiliates. 

Neither, XXXX XXXX, XXXX XXXX nor XXXX XXXX for Client Services IncXXXX, have permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. 

Client Services Incs reply outside of the CFPBs portal, must be delivered via the XXXX postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes.

Company response to consumer: Closed with explanation