Debt collection -- Attempts to collect debt not owed -- Complaint #10288298
Complaint Overview
Complaint ID: 10288298
Company: Security Credit Services, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 75068
Date Received: 2024-09-27T12:00:00-05:00
Date Sent to Company: 2024-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XXXX, I sent a written request via US Mail to **Security Credit Services LLC** asking them to validate the debt they were attempting to collect from me. I requested detailed information about the debt, including : - The original contract, - An itemized breakdown of the amount owed, - Proof of their legal ownership of the debt, and - Verification of any payments that had been applied. I followed up with a second written request on XXXX XXXX, asking for proper validation through the court and sending a separate letter via mail, requesting that they cease collection efforts until this validation was provided. In response, on XXXX XXXX I received a **stall letter** from Security Credit Services LLC that failed to provide proper validation. Instead of giving me the requested documentation, they continued collection attempts, which is a violation of **15 U.S.C. 1692g** under the **Fair Debt Collection Practices Act ( FDCPA ) **. To date, they have not validated the debt, yet they continue to attempt collection and have applied excessive fees that I believe are unwarranted. Furthermore, I was not properly notified of the sale of this debt. XXXX did not send me any notification, nor did **Security Credit Services LLC** . The sale of the debt occurred on XXXX XXXX, XXXX, and I only discovered this information through their court proceedings. This failure to notify me and their continued actions without proper validation violate both **federal** and **Texas consumer protection laws**. Given these actions, I believe **Security Credit Services LLC** has engaged in **unfair predatory practices** and has failed to comply with their legal obligations under the **FDCPA**.
Frequently Asked Questions
What is Complaint #10288298 about?
Complaint #10288298 was filed against Security Credit Services, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-09-27T12:00:00-05:00.
How did Security Credit Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Security Credit Services, LLC?
Yes, visit the Security Credit Services, LLC company profile at readthecomplaint.com/company/security-credit-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.