Debt collection -- Written notification about debt -- Complaint #9554171
Complaint Overview
Complaint ID: 9554171
Company: Complete Credit Solutions, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Florida
ZIP Code: 33629
Date Received: 2024-07-18T12:00:00-05:00
Date Sent to Company: 2024-07-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Attention : Consumer Complaint Division XX/XX/XXXXXXXX, IA XXXX Subject : Complaint Against Complete Credit Solution for Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to file a formal complaint against Complete Credit Solution for their continual violations of consumer protection laws as outlined under the Consumer Financial Protection Bureau ( CFPB ) regulationhe specific violations are as follows : 1. **Lack of Validation Information Provided** : According to 12 CFR 1006.34 ( b ) ( 5 ), Complete Credit Solution has failed to provide the required validation information after placing a collection on my consumer report. As per this regulation, I am entitled to receive information about the debt they are attempting to collect, yet this has not been furnished. 2. **No Opportunity to Dispute Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given an opportunity to dispute the account. Complete Credit Solution has not provided me with this opportunity, infringing upon my right to contest the validity of the debt. 3. **Deceptive Practices** : The agency has been using false, misleading, and deceptive means in their operations, violating my consumer rights. The abusive practices employed by Complete Credit Solution contravene the guidelines set forth to protect consumers from such undue harassment and misinformation. 4. **Unauthorized Furnishing of Information to Consumer Reporting Agencies** : As per 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( 7 ) ( A ), Complete Credit Solution has no authority to furnish any account information to consumer reporting agencies without providing all the legally required disclosures. Their non-compliance with this regulation has caused adverse effects on my credit report. I am requesting the CFPB to rigorously investigate these violations and take all necessary measures to ensure Complete Credit Solution complies with all applicable consumer protection laws. The unlawful actions of this collection agency have recklessly endangered my financial status and personal peace of mind. Please acknowledge receipt of this complaint and keep me informed about the progress of this investigation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9554171 about?
Complaint #9554171 was filed against Complete Credit Solutions, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-07-18T12:00:00-05:00.
How did Complete Credit Solutions, 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 Complete Credit Solutions, INC.?
Yes, visit the Complete Credit Solutions, INC. company profile at readthecomplaint.com/company/complete-credit-solutions-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.