Debt collection -- Written notification about debt -- Complaint #9985754
Complaint Overview
Complaint ID: 9985754
Company: M.A.R.S., INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Kansas
ZIP Code: 67216
Date Received: 2024-08-29T12:00:00-05:00
Date Sent to Company: 2024-08-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have requested the original contract over a three year period and have never received it per 15 US CODE 1692 ( G ), also known as the Validation of Debts section, is part of the Fair Debt Collection Practices Act and Title 15 of the U.S. Code, Commerce and Trade. It requires debt collectors to follow certain procedures when communicating with consumers about debt collection : Validation notice Within five days of the initial communication, debt collectors must send consumers a written notice that includes the amount of the debt, the creditor 's name, and a statement that the debt will be considered valid if the consumer doesn't dispute it within 30 days. The notice must also state that the debt collector will provide the consumer with the original creditor 's name and address if requested within 30 days. Disputed debts If the consumer disputes the debt, the debt collector must stop collection efforts and : Obtain verification of the debt or a copy of a judgment Mail the verification or judgment to the consumer Other provisions Debt collectors are also prohibited from taking certain actions, such as : Threatening or taking non-judicial action to disable or dispossess property if there is no right to possession, no intention to take possession, or the property is exempt by law Using unfair or unconscionable means to collect a debt, such as collecting amounts that aren't authorized by the agreement creating the debt or permitted by law
Frequently Asked Questions
What is Complaint #9985754 about?
Complaint #9985754 was filed against M.A.R.S., INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-08-29T12:00:00-05:00.
How did M.A.R.S., 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 M.A.R.S., INC.?
Yes, visit the M.A.R.S., INC. company profile at readthecomplaint.com/company/m-a-r-s-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.