| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Webcollex, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Payday loan debt
|
| Date Received |
2020-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-24
|
| Complaint What Happened |
In late XXXX/early XX/XX/2020, I received a letter from CKS Financial in the mail, stating I owed " XXXX XXXX '' $ XXXXAccount no : XXXX. After calling ( XXXX ) XXXX ( listed on the letter ) and informing the representative I was not aware of the alleged debt, I was told I could not dispute the aforementioned debt verbally and I would have to submit a written dispute to XXXX ( referenced by the employee and included on the aforementioned letter ).
On XX/XX/2020 at XXXX XXXX-mst, I sent a formal dispute for the alleged debt referenced in account no:XXXX via email to XXXX. The sent message read as follows : " To Whom It May Concern ; My name is XXXX XXXX. I am writing to inform your company that I have no knowledge of the alleged debt referenced under CKS account number XXXX. I am formally disputing this debt and requesting validation of debt for the aforementioned account. Furthermore, I am reminding your company of the federally mandated responsibility your company has to produce requested validation of this alleged debt that is provided in detail through the Fair Debt Collection Practices Act. Failure to fulfill the previous request will result in complaints filed with the Federal Trade Commission, Consumer Finance Protection Bureau, and legal action against your company for violations of the FDCPA. Validation of the alleged debt can be mailed to XXXX XXXX XXXX. XXXX. Thank you.
XXXX XXXX '' I never received the requested information regarding the alleged debt in any form. The next communication received was on XXXX at XXXX XXXX-mst via my personal email ( XXXX ) in the form of a settlement offer regarding the same alleged debt. Upon contacting CKS, I was transferred to " XXXX XXXX '', who claimed to be an operations manager for CKS. Upon questioning why my request was simply ignored, " XXXX '' stated he was not aware of any communications. Further, he claimed he had no knowledge of what the Fair Debt Collection Practice Act was. Upon informing " Mr. XXXX '' of my intent to seek legal counsel, he responded with " that call is not going to happen. '' The call abruptly ended after my statement that " playing stupid would not get him anywhere. '' " Mr. XXXX '' and CKS Financial are in clear violation of federal mandates regarding debt collection and I seek to have this event investigated. I will be contacting my lawyer to pursue them under clear violations of the FDCPA and kindly ask them to be held responsible for their illegal conduct by your organization. I can be reached at ( XXXX ) XXXX or XXXXXXXX to provide any additional information. Thank you in advance for your time and consideration of the matter.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
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