Debt collection -- Attempts to collect debt not owed -- Complaint #6417146
Complaint Overview
Complaint ID: 6417146
Company: Turning Point Solutions LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: 93401
Date Received: 2023-01-09T12:00:00-05:00
Date Sent to Company: 2023-01-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received the following e-mail regarding a " delinquent '' account for my mother who has been deceased since XX/XX/XXXX and who was in a care home with XXXX for 5 years prior to that. The address on the account is one she has not lived at for more than 8 years. Thus, this is an impossible debt in the first place and second, if there were a legitimate claim they should have made it before the estate closed. From : Advanced Capital Solutions XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Your statement is available for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Advanced Capital Solutions is a debt collector. We are trying to collect a debt that you owe on your XXXX XXXX XXXX XXXX account to XXXX XXXX. We will use any information you give us to help collect the debt. Our information shows : Your Account is now owned by XXXX XXXX from XXXX XXXX XXXX XXXX with account number : XXXX As of XX/XX/XXXX you owe : {$5800.00} You do have the option to settle or you can click on our portal link and customize a payment plan that fits your financial needs. The information that you'll need to create an account and view your information is as follows : Reference Number : XXXX Last name : XXXX View your account through our online portal : Advanced Capital XXXX Portal If you have never logged into our website before then please click here to create a new account : New Account Registration Contact us by phone : XXXX To Unsubscribe from further emails please click here : Unsubscribe Federal law requires we notify this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Advanced Capital Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX View your Account Unsubscribe Unsubscribe Cancelar la suscripcin How can you dispute the debt? Call or write us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. If you write us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX What else can you do? Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. You may use the form below or write us without the form. We accept such request electronically at XXXX Go to XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. Contact us about our payment options. Pngase en contacto con nosotros para solicitar una copia de este formulario en espanl. ________________________________________ Disclaimer : The information in this email is sensitive information intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Frequently Asked Questions
What is Complaint #6417146 about?
Complaint #6417146 was filed against Turning Point Solutions LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-01-09T12:00:00-05:00.
How did Turning Point Solutions LLC 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 Turning Point Solutions LLC?
Yes, visit the Turning Point Solutions LLC company profile at readthecomplaint.com/company/turning-point-solutions-llc 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.