Debt collection -- Attempts to collect debt not owed -- Complaint #19874499
Consumer Disputes Debt Validity with Selip & Stylianou, LLP
Complaint Overview
Complaint ID: 19874499
Company: Selip & Stylianou, LLP
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New York
ZIP Code: 10591
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium as the debt collector may have violated the FDCPA if they pursued a debt not owed by the consumer, potentially leading to legal action and penalties.
Consumer Sentiment: neutral
Topics: Debt Collection, Credit Card Debt, Disputed Debt
AI Analysis
CFPB complaint 19874499 was filed against Selip & Stylianou, LLP regarding Debt collection (Credit card debt), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against Selip & Stylianou, LLP, alleging attempts to collect a debt that the consumer claims is not theirs. The complaint was received on February 28, 2026 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and their identity to dispute any inaccuracies with the debt collector and potentially the credit bureaus.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from attempting to collect debts that are not owed by the consumer.
Regulatory Insight
This case highlights the importance of debt validation and the potential for enforcement actions if collectors fail to verify the legitimacy of debts before pursuing them.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in New York, and state laws may also provide protections for consumers against unfair debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where errors in debt assignment or identification can lead to disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874499 about?
CFPB complaint 19874499 involves Debt collection (Credit card debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Selip & Stylianou, LLP on February 28, 2026.
Which company is complaint 19874499 filed against?
Complaint 19874499 was filed against Selip & Stylianou, LLP. You can view all complaints against this company on their profile page at /company/selip-stylianou-llp.
What was the company's response to complaint 19874499?
Selip & Stylianou, LLP responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19874499 filed?
Complaint 19874499 was received by the CFPB on February 28, 2026. It was sent to Selip & Stylianou, LLP on March 19, 2026.
What state was complaint 19874499 filed from?
Complaint 19874499 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 19874499?
Dispute information is not available for complaint 19874499.
What product category is complaint 19874499 about?
Complaint 19874499 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 19874499 submitted?
Complaint 19874499 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 19874499?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from attempting to collect debts that are not owed by the consumer. This relates to a Debt collection complaint against Selip & Stylianou, LLP involving "Attempts to collect debt not owed".
How likely is complaint 19874499 to be resolved?
Resolution likelihood: mixed. 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 19874499?
This complaint is rated as medium risk. The risk is medium as the debt collector may have violated the FDCPA if they pursued a debt not owed by the consumer, potentially leading to legal action and penalties.
What regulatory actions apply to complaint 19874499?
This case highlights the importance of debt validation and the potential for enforcement actions if collectors fail to verify the legitimacy of debts before pursuing them. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 19874499?
Consumers should gather all documentation related to the debt and their identity to dispute any inaccuracies with the debt collector and potentially the credit bureaus.
Are there state-specific protections for complaint 19874499?
The complaint was filed in New York, and state laws may also provide protections for consumers against unfair debt collection practices. This complaint was filed from New York.
How does complaint 19874499 compare to industry norms?
This is a common issue in the debt collection industry, where errors in debt assignment or identification can lead to disputes.
What steps should a consumer take if they receive collection attempts for a debt they do not owe?
The consumer should immediately send a written dispute to the debt collector, requesting validation of the debt and providing any evidence that it is not theirs. They should also consider filing a complaint with the CFPB and relevant state agencies.
What are the potential consequences for a debt collector who pursues a debt not owed by the consumer?
If found to be in violation of the FDCPA, the debt collector could face statutory damages, actual damages, attorney's fees, and injunctive relief.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.