Debt collection -- False statements or representation -- Complaint #17920357
Debt Collector Claims Unpaid Debt After Consumer States It Was Already Paid
Complaint Overview
Complaint ID: 17920357
Company: T.S. Holdings
Product: Debt collection
Sub-Product: Rental debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: 92335
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer claims the debt was already paid and they did not receive proper notification, which could indicate a violation of debt collection practices.
Consumer Sentiment: negative
Topics: Debt collection, False statements or representation, Rental debt
AI Analysis
CFPB complaint 17920357 was filed against T.S. Holdings regarding Debt collection (Rental debt), specifically about "False statements or representation". A consumer was contacted by T.S. Holdings for a debt they claim the consumer owes, but the consumer states they had already paid the debt and were not properly notified of the debt's existence. The complaint was received on September 30, 2025 from California. The company responded with "Closed with explanation".
Consumer Narrative
I received multiple calls and no voicemails ; I called back and was told they were attempting to collect a debt. I had not, prior to that call, been notified that I owed a debt. The collection agency is requesting {$290.00} ; I paid everything that I owed in XXXX XXXX XXXX I have the right to request a validation of this debt and validation of the agency 's ability to collect money from me. I need proof that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether.
What You Should Do -- Consumer Action Plan
Consumers should request debt validation and proof of the agency's right to collect, and keep records of all payments made.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific disclosures and prohibits them from collecting debts that are disputed or already paid.
Regulatory Insight
Collectors must provide validation of the debt and their authority to collect, and cannot mislead consumers about the amount owed or their obligation to pay.
Resolution Likelihood
likely
State-Specific Consumer Protections
California law may provide additional protections for consumers regarding debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where disputes over debt validity and payment history can arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17920357 about?
CFPB complaint 17920357 involves Debt collection (Rental debt). The consumer reported an issue with "False statements or representation", specifically "Attempted to collect wrong amount". This complaint was filed against T.S. Holdings on September 30, 2025.
Which company is complaint 17920357 filed against?
Complaint 17920357 was filed against T.S. Holdings. You can view all complaints against this company on their profile page at /company/t-s-holdings.
What was the company's response to complaint 17920357?
T.S. Holdings responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 17920357 filed?
Complaint 17920357 was received by the CFPB on September 30, 2025. It was sent to T.S. Holdings on November 25, 2025.
What state was complaint 17920357 filed from?
Complaint 17920357 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 17920357?
Dispute information is not available for complaint 17920357.
What product category is complaint 17920357 about?
Complaint 17920357 is categorized under "Debt collection", specifically "Rental debt". This is one of the product categories tracked by the CFPB.
How was complaint 17920357 submitted?
Complaint 17920357 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17920357?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific disclosures and prohibits them from collecting debts that are disputed or already paid. This relates to a Debt collection complaint against T.S. Holdings involving "False statements or representation".
How likely is complaint 17920357 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17920357?
This complaint is rated as medium risk. The risk is medium because the consumer claims the debt was already paid and they did not receive proper notification, which could indicate a violation of debt collection practices.
What regulatory actions apply to complaint 17920357?
Collectors must provide validation of the debt and their authority to collect, and cannot mislead consumers about the amount owed or their obligation to pay. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 17920357?
Consumers should request debt validation and proof of the agency's right to collect, and keep records of all payments made.
Are there state-specific protections for complaint 17920357?
California law may provide additional protections for consumers regarding debt collection practices. This complaint was filed from California.
How does complaint 17920357 compare to industry norms?
This situation is common in the debt collection industry, where disputes over debt validity and payment history can arise.
What specific documentation should a consumer retain to prove a debt has been paid?
Consumers should retain copies of canceled checks, money orders, bank statements showing the payment, receipts, and any written communication from the original creditor or collection agency confirming payment.
Under what circumstances can a debt collector attempt to collect a debt that the consumer claims has already been paid?
A debt collector can attempt to collect a debt if they have a good-faith belief that the debt is valid and unpaid, but they must cease collection if the consumer disputes the debt and provides proof of payment until validation is provided.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.