Debt collection -- False statements or representation -- Complaint #15772075
Complaint Overview
Complaint ID: 15772075
Company: Scott Fetzer Financial Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 76063
Date Received: 2025-09-06T12:00:00-05:00
Date Sent to Company: 2025-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> United Consumer Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Debt Validation Request Alleged XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt your company claims I owe. This letter serves as a demand for full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. You are hereby notified : XXXX. I do not acknowledge or accept this alleged debt as mine. XXXX. You must provide strict proof that United Consumer Financial has the legal right to collect this alleged debt, including : - The original signed contract or agreement bearing my signature. - A full accounting of the alleged balance, including principal, interest, fees, and how these amounts were calculated. - Documentation showing when and how United Consumer Financial acquired this debt, and proof of assignment or transfer from the original creditor. - Evidence that this debt is within the statute of limitations for collection under state law. XXXX. Until such validation is provided, you must immediately cease all collection activity, including phone calls, letters, credit reporting, or legal action. Please also note that : - Any attempt to pursue this matter without providing the requested documentation will be considered a violation of federal law. - I will use your failure to provide proper validation as part of my defense in court. - This letter serves as official notice that I will require all communications in writing only. You are on notice. If you can not validate this alleged debt as required, you must immediately close your file, withdraw any court action, and remove any reporting from all credit bureaus. I expect a full written response within XXXX days of receipt of this letter. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15772075 about?
Complaint #15772075 was filed against Scott Fetzer Financial Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-09-06T12:00:00-05:00.
How did Scott Fetzer Financial Group 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 Scott Fetzer Financial Group INC.?
Yes, visit the Scott Fetzer Financial Group INC. company profile at readthecomplaint.com/company/scott-fetzer-financial-group-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.