Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
This complaint is filed in response to XXXX XX/XX/year> response to my prior CFPB complaint dated XX/XX/year>, in which I requested written confirmation of three specific points before executing the Settlement Agreement and Mutual Release attached to XXXX XX/XX/year> letter to the California Department of Financial Protection and Innovation, File No. XXXX. Those three points were : One. That upon my execution and delivery of the Settlement Agreement and Mutual Release, the {$6900.00} already paid constitutes full and final satisfaction of the underlying judgment in XXXX XXXX XXXX XXXX Case Number XXXX, consistent with Agreement item 2, and that no further balance of any kind is owed. Two. That XXXX, as successor in interest to XXXX, will execute and file a Satisfaction of Judgment with the XXXX XXXX XXXX XXXX for the entire action and all causes of action within 20 days of receiving my signed agreement, consistent with Agreement item 3 and California Code of Civil Procedure Section 724.060, and that XXXX will provide me a file-stamped copy of the filed Satisfaction of Judgment. Three. That upon XXXX performance of the above, all collection activity on this account will permanently cease, no further sum of any kind will be sought, no garnishment will be pursued, and no adverse credit reporting will occur or continue, consistent with the Mutual Release and Covenant Not to Sue provisions of the Settlement Agreement. In its XX/XX/year> response, XXXX declined to address any of these three points and stated only that the agreement already contemplates the entire proposal, Consumer only needs to sign and return it. That response is non-responsive. XXXX position on this account has shifted materially three times in three months. On XX/XX/year>, XXXX told the CFPB it would consider resuming the settlement. On XX/XX/year>, XXXX told the California DFPI through its Authorized Representative XXXX XXXX XXXX, XXXX, that it will honor the offer. On XX/XX/year>, XXXX answer to three direct questions was to sign without further clarification. That pattern is precisely why written confirmation is required before execution. The consequences of signing this agreement are not minor. It contains a California Civil Code Section 1542 waiver and a Mutual Release that permanently extinguish my right to bring any future claims related to this matter. Under California Code of Civil Procedure Sections 724.010, 724.050, and 724.060, a Satisfaction of Judgment carries specific statutory obligations and timelines. Executing a document of this nature based on XXXX one-sentence response, after a record of shifting positions across two regulatory agencies, is not something I am prepared to do without clear, written answers on the record. If XXXX position is that the agreement already provides full satisfaction, a Satisfaction of Judgment filing within 20 days, and permanent cessation of all collection activity and credit reporting, then XXXX should have no difficulty confirming those three points in writing in response to this complaint. I am prepared to execute the Settlement Agreement and Mutual Release immediately upon receipt of that written confirmation. XXXX refusal to provide it is the only obstacle to resolution.

Company response to consumer: Closed with explanation