Debt collection -- Attempts to collect debt not owed -- Complaint #6322070
Complaint Overview
Complaint ID: 6322070
Company: Financial Business And Consumer Solutions.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 34714
Date Received: 2022-12-14T12:00:00-05:00
Date Sent to Company: 2022-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is in reference to an alleged debt from XXXX XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX and FBCS , Inc XXXX XXXX XXXX XXXX XXXX to 15 USC 1692a , Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company and its agents harassed me for an alleged debt that was not even validated. Your company shared statements as well as a XXXX XXXX as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX a copy of the XXXX XXXX is not sufficient evidence of debt. While going through my Consumer Report, I came to know about these inaccuracies as well as fraudulent information that was reported in it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Due to your continuous acts of deceit, coercion, and intimidation, I have recently lost my job on XXXX. I was also discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : Deletion from all consumer reports Clear away any alleged balance owed Pay as per the attached invoice ; {$8000.00}. You shall be granted twenty ( 20 ) days to respond. Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond. Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony. If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. Thank you for your attention to this matter,
Frequently Asked Questions
What is Complaint #6322070 about?
Complaint #6322070 was filed against Financial Business And Consumer Solutions. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-12-14T12:00:00-05:00.
How did Financial Business And Consumer Solutions. 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 Financial Business And Consumer Solutions.?
Yes, visit the Financial Business And Consumer Solutions. company profile at readthecomplaint.com/company/financial-business-and-consumer-solutions 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.