Debt collection -- Written notification about debt -- Complaint #8371517
Complaint Overview
Complaint ID: 8371517
Company: Silverman Theologou, LLP
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: California
ZIP Code: 91001
Date Received: 2024-02-18T12:00:00-05:00
Date Sent to Company: 2024-02-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a letter from Silverman Theologou LLP- the week ending XX/XX/XXXX attempting to collect on an alleged debt on behalf of XXXX XXXX XXXX XXXX. I am demanding Silverman Theologou LLP provide the following : 1. ) Provide a certified copy of the original contract, signed by both me and an authorized XXXX XXXX XXXX XXXX employee. An affidavit of loss will not suffice. If they do not have the original contract in their possession, send me information on where the original contract is and when it can be viewed in person. 2. ) XXXX XXXX XXXX XXXX is required by law to get my permission prior to releasing my personal and account information to a third-party. This was done without my consent, which voids the alleged contract. Silverman Theologou has no authority in this transaction and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 3. ) I want Silverman Theologou to produce the general account ledger statements showing the full accounting of the alleged debt. I am requesting, a signed affidavit by the person responsible for maintaining these records with first-hand knowledge as to the accuracy and authenticity of the general account ledger. 4. ) Deliver proof their law firm is a party to the transaction. They seem to think they have a right to collect when their organization has never signed a contract with me and has never loaned me any money or credit. According to American Jurisprudence 2d 73 ; a third-party collector has no rights if they were not mentioned on the original contract or were any part of the contract; including loans transferred, assigned, sold, or changed hands in one manner or another.
Frequently Asked Questions
What is Complaint #8371517 about?
Complaint #8371517 was filed against Silverman Theologou, LLP regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-02-18T12:00:00-05:00.
How did Silverman Theologou, LLP 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 Silverman Theologou, LLP?
Yes, visit the Silverman Theologou, LLP company profile at readthecomplaint.com/company/silverman-theologou-llp 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.