Debt collection -- Written notification about debt -- Complaint #14090509
Complaint Overview
Complaint ID: 14090509
Company: Client Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Nevada
ZIP Code: 89081
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
NOTICE OF DISPUTE, REQUEST FOR DEBT VALIDATION, AND CEASE AND DESIST DEMAND Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, 1692c, 1692e, and relevant provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. To Whom It May Concern : This letter is being sent in response to the debt collection, This is a formal request for : XXXX Account Complete validation and verification of the alleged debt in compliance with 15 U.S.C. 1692g ( b ), including : A copy of the original signed contract bearing my signature. A full itemized accounting of the alleged debt. The name and address of the original creditor. A copy of the complete chain of assignment or sale from XXXX to Client Services or its agents. The name and license number of your agency and the collector assigned to this matter. Cease and Desist Notice Under 15 U.S.C. 1692c ( c ), you are hereby instructed to cease all communication with me regarding this matter, including telephone calls, written correspondence, or digital outreach, unless providing the requested documentation or giving notice of legal action. Reporting to Any Credit Reporting Agencies ( CRA ) If you are currently reporting, or intend to report, this alleged debt to any CRA ( including but not limited to XXXX, XXXX, or XXXX ), be advised that : You are required to mark the account as " disputed '' under 15 U.S.C. 1681s-2 ( a ) ( 3 ). Reporting unverifiable information violates the FCRA and may subject you to civil liability under 15 U.S.C. 1681n and 1681o. Timely Response Required If you are unable to provide the requested validation within 30 days of your receipt of this letter, you are required to send written confirmation that : The debt is uncollectible, You will cease all collection efforts, and Any and all derogatory reporting to CRAs will be removed and permanently suppressed. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX Attorney General 's Office.
Frequently Asked Questions
What is Complaint #14090509 about?
Complaint #14090509 was filed against Client Services, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-06-15T12:00:00-05:00.
How did Client Services, 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 Client Services, INC.?
Yes, visit the Client Services, INC. company profile at readthecomplaint.com/company/client-services-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.