Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Consulting Services LLC
State: TX

Complaint narrative:
Company Details : - Name : Allied Consulting Services - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Representative : - Name : XXXX XXXX Description of the Incident : On XX/XX/XXXX, I received a threatening and harassing text message from Allied Consulting Services regarding a debt that I do not recognize. I then called the provided number and spoke with a representative named XXXX XXXX on XX/XX/XXXX. The behavior and statements made during this call are deeply concerning and likely in violation of federal and state laws. 

Details of the Incident : 1. Rude and Threatening Behavior : - During the phone call, XXXX XXXX was extremely rude and attempted to bully me into paying a debt I do not recognize. 
- When I requested validation of the debt, XXXX XXXX denied my request and stated that even if I disputed it, a judgment would be filed against me regardless. 

XXXX. Misleading and False Statements : - XXXX XXXX falsely claimed that my name would be put into the check systems ( XXXX ) once a judgment is claimed. 
- He asserted that this would result in my bank account being closed and that I would never be able to open a bank account again. These statements are misleading and likely false. 

XXXX. Violation of FDCPA : - Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of the debt, and the debt collector is required to provide itXXXX XXXX XXXX XXXX refusal to validate the debt is a clear violation of this law. 
- The FDCPA also prohibits false, deceptive, or misleading representations ( 15 U.S.C. 1692e ) and unfair practices ( 15 U.S.C. 1692f ). XXXX XXXX XXXX  conduct and statements violate these provisions. 
- Additionally, the FDCPA restricts communication with third parties ( 15 U.S.C. 1692c ( b ) ). Allied Consulting Services has unlawfully contacted my family regarding this debt.

Actions Requested : 1. Validation of Debt : - I request that Allied Consulting Services provide full validation of the debt, including all documentation and verification, sent to the following address : XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. Cease and Desist Communication : - Allied Consulting Services must cease all communication with me unless it pertains directly to the debt validation or to inform me that they have closed their case. 

3. No Contact with Family : - Allied Consulting Services is to refrain from contacting any members of my family regarding this debt. 

4. Permit and Surety Bond Information : - I request to see Allied Consulting Services ' permit and surety bond to collect debts in the state of Texas. This is to ensure they are legally authorized to collect debts in this jurisdiction. 



Legal Action Warning : If Allied Consulting Services continues to engage in unlawful and harassing behavior, I will not hesitate to take legal action to protect my rights. This includes filing lawsuits for violations of the FDCPA and seeking damages. 

I expect prompt and serious attention to this matter and a resolution within 30 days. Please be aware that I am prepared to escalate my complaint to other relevant authorities and seek legal counsel if necessary. 


Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation