Debt collection -- Took or threatened to take negative or legal action -- Complaint #6503001
Complaint Overview
Complaint ID: 6503001
Company: Southern Management Systems INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Kentucky
ZIP Code: 42001
Date Received: 2023-01-29T12:00:00-05:00
Date Sent to Company: 2023-01-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There are significant issues with the debt collection efforts of Southern Management Systems in XXXX, FL. I received two different validation notices from the same account with two different end of validation dates, and the website on their collection notices was wrong. When I sent them a letter, along with the proof of it, what they sent me back totally disregarded those issues and only discussed the original disputed debt. Also, the CFPB has specifically advised against telling a consumer how a debt will affect their credit. In a phone call to Southern Management Systems on XXXX at approximately XXXXXXXX XXXX XXXX XXXX, I was told that accounts of this nature typically dont just ding the credit score but, in fact, bang it. Again, this was addressed in the letter I sent them, and they chose to ignore all of it.
Frequently Asked Questions
What is Complaint #6503001 about?
Complaint #6503001 was filed against Southern Management Systems INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-01-29T12:00:00-05:00.
How did Southern Management Systems 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 Southern Management Systems INC.?
Yes, visit the Southern Management Systems INC. company profile at readthecomplaint.com/company/southern-management-systems-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.