Debt collection -- Took or threatened to take negative or legal action -- Complaint #6810245
Complaint Overview
Complaint ID: 6810245
Company: Hunt & Henriques
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: California
ZIP Code: 95661
Date Received: 2023-04-07T12:00:00-05:00
Date Sent to Company: 2023-05-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This matter centers on a credit card I had with XXXX XXXX which I had paid off in XXXX. Some time later, I learned XXXX XXXX was reporting a balance owed. XXXX XXXX and I were in contact in XX/XX/XXXX about how to resolve the issue. On XX/XX/XXXX I received a letter via USPS regular mail from Hunt & Henriques, LLC ( see attachment # 1 ). This letter notified me of their intention to file suit against me, with no instructions or opportunity to discuss or remedy. This letter also informed me that Hunt & Henriques are not legally licensed in California as debt collectors. The letter is not signed by an attorney, the name is crossed out and the name of XXXX XXXX is handwritten in the salutation. On XX/XX/XXXX, XXXX days following receipt of their letter, I sent a validation notice response to Hunt & Henriques via USPS Certified Mail. According to USPS tracking website, my letter was delivered and received by an individual at Hunt & Henriques on XX/XX/XXXX. ( See attached letter, USPS receipt for transmittal and USPS tracking printout confirming my letter delivered to an individual at XXXX XXXX on XX/XX/XXXX attachments 2, 3 and 4 ). . My validation notice to Hunt & Henriques sought validate information as provided for me as a consumer by the FDCPA. Specifically, 1 ) Verification of the creditor they claim to represent. 2 ) Validation of the basis for the debt. 3 ) Provide a copy of the last billing attempt by their alleged client. 4 ) Verify what payments may have been made since the last billing. 5 ) Verification that Hunt & Henriquez have a debt collection license in the State of California. 6 ) Notifying them I disputed the debt. As of today, XX/XX/XXXX, Hunt & Henriques LLP has not responded to my validation notice. Their failure to respond to me within 30 days is a violation of my rights as a consumer according to the FDCPA. Instead, they chose to file a complaint in XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX of XXXX, Case # XXXX attached ) on XX/XX/XXXX. I was served at home in front of my wife and children. I consider this to be an attempt to intimidate, harass and coerce me into paying an unverified debt they are not licensed to collect. As required, I have filed my response to my to their complaint on XX/XX/XXXX ( attached ). In addition to this response, I am filing complaints with the CFPB and Attorney General of the State of California.
Frequently Asked Questions
What is Complaint #6810245 about?
Complaint #6810245 was filed against Hunt & Henriques regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-04-07T12:00:00-05:00.
How did Hunt & Henriques 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 Hunt & Henriques?
Yes, visit the Hunt & Henriques company profile at readthecomplaint.com/company/hunt-henriques 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.