Debt collection -- False statements or representation -- Complaint #13650496
Complaint Overview
Complaint ID: 13650496
Company: Credit Card Acquisitions Group
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Ohio
ZIP Code: 44035
Date Received: 2025-05-21T12:00:00-05:00
Date Sent to Company: 2025-05-21T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Foster and Monroe LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX VERIFICATION OF DEBT REQUEST RE : ACCT XXXX BALANCE : XXXX ORIGINAL CREDITOR : XXXX XXXX DEAR XXXX XXXX XXXX I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include. The complete and signed contract for the debt obligation which is the subject matter of this dispute. An itemized breakdown of what you claim the money is owed for. Explain and show me how you calculate the amount in dispute. Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. Identify the original creditor. Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges. Provide me with any affidavit that the Statute of Limitations has not expired on this account. The report credit report is showing one balance, and you are trying to collect a differ balance? Which is inaccurate information which then it is against the law and requires this to be removed. Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXXXXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. b ) Defamation of Character Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13650496 about?
Complaint #13650496 was filed against Credit Card Acquisitions Group regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-05-21T12:00:00-05:00.
How did Credit Card Acquisitions Group respond to this complaint?
The company responded with: "Untimely response". The response was not 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 Credit Card Acquisitions Group?
Yes, visit the Credit Card Acquisitions Group company profile at readthecomplaint.com/company/credit-card-acquisitions-group 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.