Debt collection -- Took or threatened to take negative or legal action -- Complaint #4764019
Complaint Overview
Complaint ID: 4764019
Company: Brite Financial Services, INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: Michigan
ZIP Code: 48091
Date Received: 2021-09-29T12:00:00-05:00
Date Sent to Company: 2021-09-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am XXXX XXXX and Im submitting this complaint myself there is no third party involved. Pursuant to federal law 15 USC 1692a ( 3 ) I am the consumer. Pursuant to 15 USC 1692g ( a ) BRITE FINANCIAL has failed to validate this alleged debt. XXXX XXXX at XXXX. XXXX XXXX Signed for and received a cease and desist along with an affidavit of truth and bill of Particulars to compensate i for the damages thereof. Upon receipt of this notice Brite Financial pursuant to federal should have ceased all communication acknowledged receipt of notice AND Invoke specified remedy by creditor which was listed in Cease and Desist pursuant to 15 USC 1692c ( c ). Pursuant to 15 USC 1666e BRITE FINANCIAL has forfeited any right to collect any amount disputed and finance charge thereof for failure to comply with requirements of 15 USC 1666a. As of XXXX XXXX XXXX Brite Financial is in violations of 15 USC 1692c ( b ) for contacting XXXX XXXX XXXX and XXXX about this account arranging for auto theft of my property. Brite Financial has admitted on a recorded line that they received cease and desist which means Brite Financial has willfully and knowingly contacted a person about this alleged debt. This property was paid for in full mail its my credit card pursuant to 15 USC 1602l and 15 USC 1602i. Brite Financial has attempted to take non judicial action by attempting to seize my property which is a violation 15 USC 1692f ( 6 ).
Frequently Asked Questions
What is Complaint #4764019 about?
Complaint #4764019 was filed against Brite Financial Services, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-09-29T12:00:00-05:00.
How did Brite Financial 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 Brite Financial Services, INC.?
Yes, visit the Brite Financial Services, INC. company profile at readthecomplaint.com/company/brite-financial-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.