Debt collection -- Communication tactics -- Complaint #10352681
Complaint Overview
Complaint ID: 10352681
Company: Self Financial INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Georgia
ZIP Code: 30339
Date Received: 2024-10-04T12:00:00-05:00
Date Sent to Company: 2024-10-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing this account for the following reason : the debt was reportedly charged off, but l have not received a 1099-C form from the creditor, as required by the IRS for debt forgiveness or cancellation over {$600.00}. The failure to issue a 1099-C form calls into question the validity of the charge-off and whether the debt has truly been forgiven or canceled. Without receiving the 1099-C, I have no confirmation that the creditor has officially canceled the debt, nor has this debt been properly accounted for as income on my tax return. Therefore, I believe the current status of the account on my credit report is inaccurate. To support my claim, I am requesting that this debt be verified under the guidelines of the FCRA, and that you obtain verification from the creditor regarding the issuance of a 1099-C form. If the creditor is unable to provide evidence that this debt was legally canceled and reported to the IRS, I request that the charge-off be removed from my credit report. 1681 ( e ) ( b ) a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reporting relates
Frequently Asked Questions
What is Complaint #10352681 about?
Complaint #10352681 was filed against Self Financial INC. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2024-10-04T12:00:00-05:00.
How did Self Financial INC. 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 Self Financial INC.?
Yes, visit the Self Financial INC. company profile at readthecomplaint.com/company/self-financial-inc 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.