Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Seattle Service Bureau, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I was involved in a XXXX XXXX XXXX. I received written paperwork regarding an alleged debt from National Service Bureau, a third-party debt collection agency, on XX/XX/XXXX. 

After reviewing the paperwork, I made my first contact with National Service Bureau on XX/XX/XXXX to address the matter responsibly. During this initial call, I requested lawful verification of the alleged debt, including an itemized breakdown of damages, repair estimates or invoices, and documentation supporting the amount being claimed. 

After I requested this documentation, the representatives demeanor changed significantly. The representative became hostile, dismissive, and uncooperative, and did not provide the requested proof. Following this interaction, the agency ceased responding to me. I received no follow-up, no documentation, and no response to my requests. 

Because communication had stopped, I contacted National Service Bureau again and requested to speak with a management-level representative in order to obtain the requested documentation and resolve the matter. 

Several hours later, I received a call from a management-level representative. During this call, instead of providing documentation or addressing my verification request, the XXXX stated that National Service Bureau had put in a request to suspend my drivers license if payment was not made. 

This statement was made verbally, without any court judgment, without any written notice, and without any communication from the XXXX XXXX Department XXXX XXXX. At no time before or after this call have I received any notice from the Department XXXX XXXX indicating that my license is suspended or subject to suspension. 

National Service Bureau does not have the legal authority to request, initiate, or cause a drivers license suspension. Only the state licensing authority may take such action, and only after statutory requirements are met, including proper notice to the consumer. 

When I questioned the legality of the claimed license suspension request and again asked for written proof, no documentation was provided. The interaction relied entirely on verbal pressure and intimidation following my request for lawful verification. 

The sequence of events requesting proof, followed by hostility, non-response, and then a management-level threat of license suspension appears to be retaliatory and coercive, and constitutes a false representation of legal authority and a threat of action that can not legally be taken. 

I am submitting this complaint because I believe National Service Bureau engaged in deceptive, misleading, and coercive debt collection practices in violation of federal consumer protection standards. 

After I disputed the debt, the debt collector escalated collection activity by causing the XXXX XXXX XXXX to issue another suspension of my drivers license. Please note that the collector attempted license suspension while the debt was disputed and unvalidated. This is coercive collection activity under FDCPA. Also can provide documents if needed.

Company response to consumer: Closed with explanation