Debt collection -- Written notification about debt -- Complaint #11936785
Complaint Overview
Complaint ID: 11936785
Company: Firstsource Business Process Services, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Tennessee
ZIP Code: 37129
Date Received: 2025-02-04T12:00:00-05:00
Date Sent to Company: 2025-02-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally report an issue I have encountered with a debt collector, Firstsource Advantange, regarding an alleged debt that I believe is not valid and is subject to potential violations of the Fair Debt Collection Practices Act ( FDCPA ) In response to a collection notice, which was sent to me by Firstsource Advantange, I promptly sent a validation letter requesting proof of the debt. However, the documentation I received in return was insufficient and only included old billing statements indicating that the account had been charged off, with a noted last payment of {$1.00} in XXXX payment that is in question because I never made a {$1.00} payment. The debt collector failed to provide adequate verification of the debt as required by 15 U.S.C. 1692g of the FDCPA. The account was opened in 2016, and based on the state laws of Tennessee, it appears that the applicable statute of limitations for collecting this debt may have expired. Given these factors, I have formally disputed the validity of this debt in writing to Firstsource Advantange and requested that they cease all collection efforts. Despite this, I feel it necessary to bring this situation to your attention, as I believe the debt collector 's actions not only infringe upon my rights but may also be in violation of federal laws governing fair debt collection practices. I respectfully ask that the Consumer Financial Protection Bureau investigate this matter and consider taking appropriate action against Firstsource Advantange for the potential violations of the FDCPA. Thank you for your assistance in this matter. I appreciate your time and attention and look forward to your prompt response. Regards,
Frequently Asked Questions
What is Complaint #11936785 about?
Complaint #11936785 was filed against Firstsource Business Process Services, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-02-04T12:00:00-05:00.
How did Firstsource Business Process 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 Firstsource Business Process Services, LLC?
Yes, visit the Firstsource Business Process Services, LLC company profile at readthecomplaint.com/company/firstsource-business-process-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.