SQUARETWO FINANCIAL CORPORATION

2019-01-28

OR

Identity theft protection or other monitoring services

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Received unwanted marketing or advertising
Complaint: constant sales pitches.and hangups
Company Response: Untimely response

Untimely Response

2018-06-16

Santa Ana, CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I disputed XXXX XXXX XXXX account ref # XXXX last XX/XX/2018. More than 30 days have passed and still the account is still on my credit report and found several other violations of both FDCPA and FCRA. I have attached a separate document showing what I have found on my credit report, proves that no proper investigation was conducted Violations such as reporting inaccurate/incorrect dates, misleading/incorrect information, reaging etc. They were given more than 30 days to fix the issue and nothing have been done. This is my last resort before I get a legal counsel involve.
Company Response: Untimely response

Untimely Response

2018-03-22

Oxford, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I open the an XXXX XXXX XXXX Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and XXXX. These are a few of the know debt collectors using my information as tactics to defame my consumer report.
Company Response: Untimely response

Untimely Response

2018-03-19

Valrico, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Company Response: Untimely response

Untimely Response

2018-03-16

Wonder Lake, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.
Company Response: Untimely response

Untimely Response

2018-01-28

Lisle, IL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Untimely response

Untimely Response

2018-01-25

Neenah, WI

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was around XXXX ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
Company Response: Untimely response

Untimely Response

2018-01-01

Portland, OR

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: In XX/XX/XXXX, I was in the midst of a financial crisis, losing my job and having to relocate and downsize. At that time I had a balance of {$1400.00} with XXXX ( XXXX ) and had managed to make payments up until then while suffering an outrageous interest rate of 29.9 %. On XX/XX/XXXX I was attempting to work out a debt relief agreement with XXXX ( hardship application ) and requested a modification based on the amount of extraordinary interest and fees that were being added to my bill. After back and forth FAX communications they denied my request and followed up by transferring my debt to XXXX XXXX XXXX. These people were confusing to say the least, and after trying to negotiate my debt down with them I ended up with XXXX XXXX- and began to get threatening letters and calls from XXXX XXXX XXXX . I see that XXXX XXXX ( Square Two Financial ) is being sued ( many complaints about their tactics ) and that they are a shell corp and they are filing bankruptcy! At one point last year I had worked out a payment plan with them- but they reneged on the terms and reverted to the original debt and payment. I wrote them twice afterwards stating that I was not happy with their disregard of our agreements. Since then they have constantly called me, threatened me and have ignored my letters and correspondences. At present I live on social security and odd work when I can. Can there be some help to rectify and end this foul issue on my credit report- after all over the time i had the loan with XXXX I paid thousands of dollars in interest and fees. Sincerely, XXXX XXXX
Company Response: Untimely response

Untimely Response

2017-12-28

West Newfield, ME

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Untimely response

Untimely Response

2017-08-10

Key Biscayne, FL

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted your employer
Complaint: Last year ( XX/XX/XXXX ) i submitted a complaint regarding the same nature ; except this time, they contacted my employer ( HR office ) before contacting me. Please refer to my XX/XX/XXXX submission case # XXXX regarding my complaint of this same scenario. Today, Thursday, XX/XX/XXXX, my HR manager came over and to my office and handed me a message note stating " File # XXXX, call XXXX XXXX XXXX, Ph # XXXX ''. I asked her what is it about ; and she said i did n't inquire, but it sounds important. So, i contacted them immediately. A male answered " corporate office '' ( which sounds exactly how last years debt collector greeted me ). I asked him, is this XXXX XXXX XXXX? And he said yes it is. I then gave him the file # XXXX. He asked me for my name. I gave it. He then wanted my last four digits of Soc. Security and date of birth to verify who i was. I refused to give him that information. So, he then proceeded to say " okay, is your social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and date of birth XX/XX/XXXX? '' Since he said the correct information, i said yes. I asked him, what is the issue. He then told me that i owe a balance of over {$19000.00} to XXXX and before i get court ordered, they were calling. This sounded exactly like the phone call i received last year ( almost to the day ), but at that time i only owed XXXX a little over {$3000.00}. I explained to the man from " XXXX XXXX XXXX '' that i received a similar call last year and i have never received any documentation ( bills, letters to intent to collect, etc ). He said he wanted to help me, so he told me to contact XXXX XXXX XXXX, which is the company that bought XXXX ( i believe in XX/XX/XXXX or XX/XX/XXXX? ) - he said call XXXX XXXX and tell them your account # XXXX. I explained to him that i did n't owe anything to XXXX, because i have a " paid in full '' letter. And that i had contacted CFPB and reported last years call about the same issue ... yet, i still have n't ever received ANY court orders, bills, letters to collect from anyone. I was very upset ; and he said, " ma'am i 'm trying to help you, just call XXXX XXXX XXXX and see what they tell you, but call us back within 24 hours, or else you will be served with court order ''. Again, i tried to explain to him that it was inappropriate for his agency to contact my HR - BEFORE contacted me. He did n't respond to that comment. He kept reiterating the he was trying to help me. After i hung up, i called XXXX ( XXXX XXXX XXXX ) and spoke with representative ( XXXX ) who looked up the account # given to me # XXXX and she said she could n't see anything about my debt, because it was in the " archived '' files. However, she mentioned that my account was sold to " SquareTwo Financial '', which of course it 's a debt collection agency. XXXX was very helpful and heard my story ( what i 'm writing here ) and she suggested that i contact SquareTwo Financial to find out why they have n't contacted me before. Before i call this debt collection agency ( SquareTwo Financial ), i want to be able to understand why does this continue to happen. I was threatened last year. Now this year ( XX/XX/XXXX ), they did n't even call me first, but went straight to my HR to confirm my employment and i believe it is an " indirect '' manner of threatening me. I feel that if this debt were true ( which it is n't ), why have n't they send me letters of intent to collect, or bills, or any kind of indication that this debt has been outstanding?!?!? Please HELP me ... what should i do? Why is this continuing to happen?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Mabank, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Bellaire, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted CACH and they told me they can do nothing. I contacted the attorney that is handling this XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-19

Lincoln, CA

Written notification about debt

Debt collection: Credit card debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-15

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XXXX / XXXX / XXXX , I received a summons fro m my county from CACH , LLC that was filed against me to repay a loan for the amount of {$140000.00} that was received from XXXX XXXX XXXX , Inc . The summons identified me as the president of a business. My identity was used, without my knowledge or permission, to obtain this loan through an unidentified third-party broker. XXXX XXXX XXXX XXXX and CACH , LLC neglected to verify my identity by any reasonable means or confirm the validity of documentation submitted in my name. On XXXX / XXXX / XXXX , the aforementioned loan company disbursed the proceeds from the loan, by wire, into a XXXX XXXX business checking account that was also opened in my name without my knowledge or permission. Within 3 days, without imposing reasonable security restrictions, XXXX XXXX XXXX team member ( s ) allowed two parties to withdraw more than {$98000.00} of the proceeds from the loan that I was held liable for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-05

Allentown, PA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-05-26

Grosse Ile, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Repeated phone calls to me and my spouse. Told my spouse I would be sued as well as disclosing account information to my spouse, whom I married after the debt was granted to me and I 'm collection. Settled with the company and made 2 payments of one for {$400.00} on XXXX/XXXX/2017 and another payment of {$270.00} on XXXX/XXXX/2017. Unfortunately, I could not keep up with my payments due to my current hardship and the agency persisted on calling my spouse and I. Most Recent Phone calls to myself : XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. The agency usually contacted my wife on those same days as they contacted me. XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. As well as more repeated calls that I can not provide at this time. I would need to contact my mobile carrier. The phone calls also always came in different numbers with a ( XXXX ) area code.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-25

Mem, TN

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-18

Lakewood, WA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-17

Santa Ysabel, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: On XXXX XXXX XXXX a letter was sent to Cach LLC to validate the debt in question. Their letter dated XXXX XXXX , solely provided me with a letter and no written verification of the debt with my signature. I am requesting that a written validation with my signature be provided or that this negative report be deleted from my credit report. Thank you in advance for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-05-16

Bremen, GA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: CACH , LLC has been attempting to collect a debt that they allege was purchased from XXXX XXXX XXXX on XXXX / XXXX / XXXX . In numerous collection letters they have demanded several different amounts. I have disputed this debt with through the credit reporting agencies numerous times in the last several years. On XXXX XXXX , XXXX I received a letter from XXXX XXXX stating a current balance of {$2600.00}. I requested validation of the debt and disputed the amount to both XXXX XXXX and CACH , LLC. CACH , LLC responded on XXXX XXXX , XXXX with a letter that stated the current balance is {$2900.00}. XXXX XXXX responded to my same letter on XXXX XXXX , XXXX with a response that said the current balance is {$2500.00}. Again, on XXXX XXXX , XXXX I disputed the accuracy of the amounts and requested validation of the debt. I received a response from XXXX XXXX on XXXX XXXX , XXXX that said the balance is {$2500.00}. I received a response from CACH , LLC on XXXX XXXX , XXXX that said the amount is {$2500.00}. I sent this information to the credit reporting agencies and requested they update the record of the amount at least, since CACH , LLC refused to validate their alleged ownership of this debt. As of XXXX XXXX , XXXX CACH , LLC is still reporting a debt owed to them in the amount of {$2900.00} to XXXX XXXX XXXX credit reporting agencies. I have reviewed the dispute results and CACH , LLC continues to insist that I owe them {$2900.00}. CACH and their attorney, XXXX XXXX XXXX XXXX , XXXX have also provided a statement from XXXX XXXX XXXX dated XXXX XXXX , XXXX which shows an amount of {$2500.00}, a computer print out from XXXX XXXX XXXX which shows the same, a Bill of Sale dated XXXX XXXX , XXXX between XXXX XXXX XXXX . N.A. and CACH , LLC, and an affidavit by XXXX XXXX , custodian of records for CACH , LLC attesting to the Bill of Sale, and a generic XXXX XXXX XXXX card holder agreement which may or may n ot be applicable to the XXXX XXXX XXXX account in question. Although I have requested from CACH , LLC to supply the following, I have never received : 1 ) A signed credit card application or contract which proves I opened this account in my own name ; 2 ) The sp ecific XXXX XXXX XXXX XXXX Agreement which applies to this account and expressly authorizes XXXX to sell this account to a third-party debt buyer ; 3 ) A detailed itemization of all the charges allegedly made which total the amount they are claiming, whatever amount that actually is. Additionally, I requested the same information from XXXX XXXX XXXX , as I have no record of this account with them. I also questioned whether this particular account may have been subject to CFPB Consent Order # XXXX . XXXX XXXX XXXX has not responded to my requests. There is no record of a XXXX XXXX XXXX account with this number on my credit report. In summary, I do not believe that I owe this debt. The debt buyer can not determine what the correct amount should be, the debt buyer can not produce sufficient evidence of this alleged debt. I believe the debt buyer is in violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act by continuing to assert that they are owed a debt they can not prove or even determine an amount for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-05-11

Bellwood, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-05

Sarasota, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2017-05-04

Temperanceville, VA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Received account balance option letter from FreshView dated XXXX XXXX in regards to : Current Creditor-CACH, LLC ; Original Creditor- XXXX XXXX XXXX ; Currrent Balance- {$10000.00}. Three options were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today, XXXX XXXX , XXXX , I went to the FreshView website to take optio n 1, making 4 pay ments of {$600.00}. I was informed on website to contact them. I called FreshView at XXXX and was told that I must call CACH , LLC at XXXX as they were no longer handling the matter. Today, XXXX XXXX , I called CACH , LLC and was told that the matter was sent to their attorney, the Law offices of XXXX XXXX and that I must contact the attorney. I called the attorney today at XXXX and spoke with a XXXX XXXX XXXX who informed me that I was not yet really in their system and that she would have to wait until I was in their system. XXXX XXXX stated she would call me back when she received my information. My complaint is that it is not yet 30 days until XXXX XXXX , XXXX and this debt was sent to an attorney before 30 days. I want to take advantage of the option of ma king 4 p ayments of XXXX on this debt before XXXX XXXX as I do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days from XXXX XXXX !
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-04

Temperanceville, VA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Received account balance option letter from FreshView date d XXXX XXXX 2017 in reg ards to : Current Creditor-CACH, LLC ; Original Creditor- XXXX XXXX XXXX ; Currrent Balance- {$10000.00}. Three opt ions were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today, XXXX XXXX 2017, I we nt to the FreshView web site to take option XXXX , making 4 payments of {$600.00}. I was informed on website to contact them. I called FreshView at XXXX and was told that I must call CACH , LLC at XXXX as they were no longer handling the matter. Today , XXXX XXXX 2017, I ca lled CACH , LLC and was told that the matter was sent to their attorney, the XXXX XXXX XXXX XXXX XXXX and that I must contact the attorney. I called the attorney today at XXXX and spoke with a XXXX XXXX XXXX who informed me that I was not yet really in their system and that she would have to wait until I was in their system. XXXX XXXX stated she would call me back when she received my information. My complaint is that it is not yet 30 days until XXXX XXXX 2017 and this debt was sent to an attorney before 30 days. I want to take advantage of the opti on of making 4 payments of XXXX on this debt befor e XX/XX/XXXX as I do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days fr om XX/XX/XXXX !
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-04

San Mateo, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Cach LLC ( o wned by Squaretwo Financial Services ) is falseley reporting a collection account on my credit report to XXXX and XXXX . I sent a debt validation/dispute letter via certified mail in XXXX XXXX , and Cach LLC responded, but they sent no verification. Cach LLC 's response letter included XXXX violations of the California Fair Debt Practices Act ( CFDCPA pursuant to California Civil Code Division 3, Part 4 Title 1.6., 1.6C., 1.6C5., and 2.97. In addition, Cach LLC also violated 5 corresponding federal violations under the Fair Debt Pracitces Act ( FDCPA ), which are enforceable under state law in small claims pursuant to the Rosenthal Act. As a result, I followed up with a second letter in XXXX acting in a good faith effort to resolve the issue. Cach LLC re sponded with a carbon copy version of their first response. It was apparent that nobody read my second letter, nor did they care to comment on their XXXX California state law violations of the CFDCPA. I gave Cach LLC court esy calls to discuss a resolution, but once again they refused to verify the debt or remove it from my credit reports. In XXXX of XXXX I filed a small claims lawsuit agains t Cach LLC ( SquareTwo Financial Services ) in the state of California. Cach LLC promptly made a motion to vacate t he proceedings based upon an existing bankruptcy filing on their behalf. Therefore, as required by law, the judge had no choice but to vacate the hearing, because Cach LLC has indeed filed for bankruptcy as of XXXX of XXXX . I once again reached out to Cach LLC and as ked them to remove the debt due to their bankruptcy status, but they said they would continue to collect debt while actively filing for bankruptcy. At this point, no consumer in the United States has any legal recourse against Cach LLC due to their bankruptcy status. Which means that they have all the freedom in the world to violate any and all laws under the Fair Debt Collections Practices Act, and nobody can sue them for their violations due to their bankruptcy status. I can not believe this is legal, because this debt collection company has free reign to violate all debt collection laws at will now that they have filed bankruptcy. I request that the CFPB review my documents and verify the XXXX violations of the CFDCPA committed by Cach LLC, and pursue regulatory actions against this entity for its calculated violations. Cach LLC is violating the law in an effort to increase their ability to collect debts with no legal accou ntability to consumers due to the protection provided by their current bankruptcy status. Upon the conclusion of a successful investigation by the CFPB, where they were to find no verification of this erroneous debt ; I would hope that the CFPB can enforce an injuctive action against Cach LLC requiring them to remove the false debt from my credit reports. These are the CFDCPA violations committed by Cach LLC : California Civil Code Division 3 Part 4 : Title 1.6. : 1 ) 1785.25 ( a ) Cach LLc furnished inaccurate information to the CRA 's 2 ) 1785.25 ( c ) continued reporting to CRA 's without marking account " disputed '' 3 ) 1785.26 ( b ) never sent notice before reporting negative information 4 ) 1785.26 ( c ) did not mail negative info notice within 30 days of reporting 5 ) 1785.26 ( d ) Cach LLC liable for the previous violatio ons 6 ) 1785.30 Cach LLC did not acknowledge demand/dispute within 30 days Title 1.6C. : 7 ) 1788.17 pursuant to the Rosenthal Act all FDCPA violations are inclusive : 8 ) 807 ( 2 ) ( A ) False representation of character amount 9 ) 807 ( 8 ) failure to communicate a disputed debt as disputed 10 ) 807 ( 10 ) use of false representation to collect a debt 11 ) 807 ( 11 ) 1st communication failed to disclose " this is a debt collector '' 12 ) 808 ( 1 ) collection of amount not authorized by agreement Title 1.6C.5. 13 ) 1788.52 ( a ) Failed to possess mandatory documents prior to communication 14 ) 1788.52 ( a ) ( 1 ) failed to provide proof of sole ownership of debt 15 ) 1788.52 ( a ) ( 2 ) failed to separately identify the charge-offed balance 16 ) 1788.52 ( a ) ( 3 ) failed to note the date of default and the date of last payment 17 ) 1788.52 ( a ) ( 4 ) failed to provide original creditor info ( acct #, name & address ) 18 ) 1788.52 ( a ) ( 5 ) failed to provide my name and address at time of charge off 19 ) 1788.52 ( a ) ( 6 ) failed to provide name & address of previous debt owner s 20 ) 1788.52 ( b ) failed to provide copy of contract or monthly statement 21 ) 1788.52 ( d ) ( 1 ) failed to include " you may request '' notice in 1st communication 22 ) 1788.52 ( d ) ( 2 ) failed to include time barred debt notice in 1st communication Title 2.97. : 23 ) 1812.700 ( a ) failed to include Rosenthal Act notice in 1st communication
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response