Debt collection -- Attempts to collect debt not owed -- Complaint #7030111
Complaint Overview
Complaint ID: 7030111
Company: Capital Management Services, LP
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Texas
ZIP Code: 76542
Date Received: 2023-05-25T12:00:00-05:00
Date Sent to Company: 2023-05-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The loan that I originally took out was through XXXX. This loan was later sent to XXXX XXXX for collections purposes. While the loan was with XXXX XXXX, I paid a settlement to settle and resolve the debt. This settlement occurred in XX/XX/XXXX. I have proof of this settlement occurring, which I will attach. Once this settlement was conducted, the debt was properly resolved on my credit report and all seemed to be done with this debt. However, recently the debt was sold XXXX XXXX, XXXX, and now Capital Management Services , LP is attempting to collect on this already-settled debt. I was given a window of time to dispute that this debt was owed ( by XX/XX/XXXX ). I have attached the proof that I disputed this debt as required. Despite disputing the debt as already being settled, Capital Management Services , LP decided to pursue this already-settled debt, which reappeared on my credit report later in the spring as having a balance owed and showing missed payments after the settlement date of XX/XX/XXXX. I have reached our to Capital Management Services , LP twice now regarding this issue, and provided the proof of settlement information to them each time. Not only has the issue not been resolved, but they have not responded to my inquiries at all. I will be attaching the proof of settlement and proof that I disputed the debt through Capital Management Services , LP. ( I also have a video of me mailing the letter to them, to show that it was sent. However, this video can not be attached below but can be provided if needed. ) Additionally, I've included the screenshots of both emails I have sent to Capital Management Services , LP to try and get this issue resolved, both of which have received no response at all.
Frequently Asked Questions
What is Complaint #7030111 about?
Complaint #7030111 was filed against Capital Management Services, LP regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-05-25T12:00:00-05:00.
How did Capital Management Services, LP 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 Capital Management Services, LP?
Yes, visit the Capital Management Services, LP company profile at readthecomplaint.com/company/capital-management-services-lp 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.