Debt collection -- Attempts to collect debt not owed -- Complaint #9987846
Consumer Denies Debt Obligation, Cites Lack of Contract with Amsher Collection Services
Complaint Overview
Complaint ID: 9987846
Company: Amsher Collection Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33073
Date Received: 2024-08-31T12:00:00-05:00
Date Sent to Company: 2024-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer is actively disputing the debt and has requested validation, which if not provided by the debt collector, could lead to further regulatory scrutiny or legal action.
Consumer Sentiment: negative
Topics: Debt Collection, FDCPA, Debt Validation
AI Analysis
CFPB complaint 9987846 was filed against Amsher Collection Services, Inc. regarding Debt collection (Other debt), specifically about "Attempts to collect debt not owed". A consumer disputes a debt with Amsher Collection Services, Inc., stating they are not liable and have no contract with the company, which failed to provide an original contract upon request. The complaint was received on August 31, 2024 from Florida. The company responded with "Closed with explanation".
Consumer Narrative
i am not liable for this debt with AMSHER COLLECTION SERVICES, I do not have a cintract with AMSHER COLLECTION SERVICES, they did not provide me with original contract as i requested
What You Should Do -- Consumer Action Plan
Consumers should always request debt validation from debt collectors and keep records of all communication, especially when disputing a debt.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must provide validation of a debt upon request from the consumer.
Regulatory Insight
This situation highlights the importance of debt collectors adhering to FDCPA validation requirements to avoid potential violations.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have rights under state law in addition to federal laws like the FDCPA regarding debt collection practices.
Industry Comparison
This is a common issue where consumers challenge the validity of debts and the documentation provided by collection agencies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9987846 about?
CFPB complaint 9987846 involves Debt collection (Other debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Amsher Collection Services, Inc. on August 31, 2024.
Which company is complaint 9987846 filed against?
Complaint 9987846 was filed against Amsher Collection Services, Inc.. You can view all complaints against this company on their profile page at /company/amsher-collection-services-inc.
What was the company's response to complaint 9987846?
Amsher Collection Services, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9987846 filed?
Complaint 9987846 was received by the CFPB on August 31, 2024. It was sent to Amsher Collection Services, Inc. on August 31, 2024.
What state was complaint 9987846 filed from?
Complaint 9987846 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 9987846?
Dispute information is not available for complaint 9987846.
What product category is complaint 9987846 about?
Complaint 9987846 is categorized under "Debt collection", specifically "Other debt". This is one of the product categories tracked by the CFPB.
How was complaint 9987846 submitted?
Complaint 9987846 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 9987846?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must provide validation of a debt upon request from the consumer. This relates to a Debt collection complaint against Amsher Collection Services, Inc. involving "Attempts to collect debt not owed".
How likely is complaint 9987846 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9987846?
This complaint is rated as medium risk. The risk is medium because the consumer is actively disputing the debt and has requested validation, which if not provided by the debt collector, could lead to further regulatory scrutiny or legal action.
What regulatory actions apply to complaint 9987846?
This situation highlights the importance of debt collectors adhering to FDCPA validation requirements to avoid potential violations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 9987846?
Consumers should always request debt validation from debt collectors and keep records of all communication, especially when disputing a debt.
Are there state-specific protections for complaint 9987846?
In Florida, consumers have rights under state law in addition to federal laws like the FDCPA regarding debt collection practices. This complaint was filed from Florida.
How does complaint 9987846 compare to industry norms?
This is a common issue where consumers challenge the validity of debts and the documentation provided by collection agencies.
What are the specific steps a consumer should take if a debt collector fails to provide original contract information?
The consumer should formally notify the debt collector in writing that they dispute the debt and have not received validation. They can also file a complaint with the CFPB and their state's Attorney General.
Under what circumstances can a debt collector continue collection efforts without providing an original contract?
Generally, a debt collector cannot continue collection efforts if the consumer disputes the debt and requests validation, and the collector fails to provide it. Continued efforts without validation could be a violation of the FDCPA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.