Debt collection -- Attempts to collect debt not owed -- Complaint #20578306
Complaint Overview
Complaint ID: 20578306
Company: Schoolsfirst Federal Credit Union
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: 92220
Date Received: 2025-11-15T12:00:00-05:00
Date Sent to Company: 2026-03-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I sent XXXX a formal debt validation request regarding an alleged account they claimed I owed to SchoolsFirst Federal Credit Union. On XX/XX/year>, XXXX responded with documents that appeared to come from SchoolsFirst Federal Credit Union, but none of the information provided showed that XXXX owns the debt or has any legal authority to collect it. After receiving their response, I contacted XXXX directly. XXXX confirmed on a recorded line that the account was charged off and sold to a XXXX-party debt buyer, and that XXXX is not collecting on their behalf. This means XXXX has no ownership interest in the debt and no agency relationship giving them authority to collect it. Because XXXX failed to provide proper validation, I sent a second written demand for validation on XX/XX/year>, via certified mail. In that letter, I again requested the required documentation, including : A bill of sale or assignment agreement showing transfer of ownership to XXXX ; A full chain of assignment from the original creditor to whoever currently owns the debt ; Written authorization from the current debt owner permitting XXXX to collect ; Proof they are legally authorized to collect in my state. As of today, XXXX has still not provided any proof of ownership, assignment, or legal authority to collect this alleged debt, and they continue to represent that they are collecting a valid debt. Under the FDCPA, XXXX is required to validate the debt and prove their legal right to collect before continuing collection activity. They have not met these requirements. I am requesting that the CFPB require XXXX to : Stop all collection activity and communication ; Remove or prevent any negative credit reporting related to this account ; and Provide written proof of ownership or legal authorization if they believe they have any valid claim.
Frequently Asked Questions
What is Complaint #20578306 about?
Complaint #20578306 was filed against Schoolsfirst Federal Credit Union regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-15T12:00:00-05:00.
How did Schoolsfirst Federal Credit Union 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 Schoolsfirst Federal Credit Union?
Yes, visit the Schoolsfirst Federal Credit Union company profile at readthecomplaint.com/company/schoolsfirst-federal-credit-union 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.