Debt collection -- Written notification about debt -- Complaint #5189461
Complaint Overview
Complaint ID: 5189461
Company: Kings Credit Services
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: California
ZIP Code: XXXXX
Date Received: 2022-02-05T12:00:00-05:00
Date Sent to Company: 2022-02-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX I was in an XXXX relationship, I left the property in question and informed the manager of my situation. 2 days after leaving, a man whose wife was having an affair with my ex caused damage to the apartment. I spoke with a lawyer who claimed he was representing the apartment complex. Explained the situation and was told my name would be removed from the issue. Never heard anything again about it. On XX/XX/XXXX I received a notice in the mail from Kings Credit Services. This notice simply stated the amount and " Re : XXXX XXXX and various others '' along with the debt amount, debt collection agency 's name, address and phone number. There was a important consumer information disclaimer stating that it was an attempt to collect a debt. There was no information on my rights, or how to dispute the debt. When I contacted the agency on XX/XX/XXXX, I was informed that there was a judgement against me. I had no knowledge of this prior, and was never provided paperwork. XXXX XXXX, the representative I spoke with, claims that I was served by proxy with the papers given to someone I was close with. I reached out to this person and they have no recollection of this. Further, the company never mailed out any other documentation to me. Literally the notice I received in the mail on XX/XX/XXXX was the only piece of mail received from the debt collector, and it does not state anything about my rights at all.
Frequently Asked Questions
What is Complaint #5189461 about?
Complaint #5189461 was filed against Kings Credit Services regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-02-05T12:00:00-05:00.
How did Kings Credit Services 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 Kings Credit Services?
Yes, visit the Kings Credit Services company profile at readthecomplaint.com/company/kings-credit-services 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.