Advent Financial Systems, LLC CFPB Complaints

Back to Dashboard
2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
07/27/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KY
  • 420XX
Web
Re : CR Number XXXX, Erroneous invoice dated XX/XX/2018 I, XXXX XXXX dispute the above referenced and attached bill as already paid as all the money on my persons at time of arrest was never returned and no seizure order was signed by a judge and ordered as according to the US constitution and applicable KRS, it is contrary to KRS 441.265 ( 1 ) as no court order exists by the sentencing court, is contrary to KRS 441.265 ( 2 ) ( a ) 2 allowing no more than $ 50/day for room and board ( questionable as a legal day is not defined in this law, is generally accepted as a 24 hour period and I was only incarcerated for 8 hours ), as well as according to KRS 441.265 ( 2 ) ( b ) I was never afforded consideration of my ability to pay, even after my personal cash ( I believe I had around {$200.00} in my pocket ) never returned. Therefore, this invoice is a false and misleading representation of the amount of a debt ( FDCPA subsection 807 ( 2 ) ( A ) ) Please make no mistake that Advent Financial Systems is governed by the FDCPA as the definition of a debt collector is stated. by law, in FDCPA subsection 803 ( 6 ) as : The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. Furthermore, this document coming from Advent Financial Systems is also a false and misleading representation in that it has the seal of the Commonwealth of Kentucky, when, Advent Financial Systems is simply a debt collector. This is contrary to FDCPA subsection 807 ( 9 ) and ( 10 ). This is also in direct violation of FDCPA subsection 812 Furnishing certain deceptive forms. Further, this debt collector is in violation of validation of debt as according to FDCPA subsection 809 in that : when I called this day of XX/XX/2018, they refused to validate the debt, had no idea where the money is that was taken from my person, presumably to pay for this debt, nor where my change was of the overpayment. Her resolution was that I call the original debtor contrary to FDCPA subsection 809 ( 4 ) FDCPA subsection 809 ( b ) is very specific in the mandate of the responsibilities of the debt collector when the validity of a debt is being disputed, just as I am disputing this one. This billing also fails in that the mandatory statements of subsection 809 ( 3 ) and ( 5 ) do not exist on the billing. At this point, and with only the violations listed, as according to FDCPA subsection 813, civil liability, the infractions named could cause a liability of {$7000.00} or more. As well, according to the FDCPA subsection 814 the Federal Trade Commission is authorized to enforce compliance with the FDCPA.
10/11/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • IN
  • 47401
Web
I received a letter to pay a debt presumably owed to XXXX County Indiana XXXX XXXX. Letter was sent by a debt collector in Kentucky. but this company letter from Kentucky had the signature of XXXX XXXX, XXXX of XXXX County Jail. This collection letter made a demand for {$110.00} without explanation of the reason for this debt, and also said the collection letter was to be taken to my bank so a DIRECT DEPOSIT could be make into the collection company 's account at XXXX XXXX XXXX. I was at XXXX County Jail, but there were no such charges or fees owed. I wrote to this company the following on XXXX XXXX, XXXX XXXX XXXX Co. Jail c/o Advent Financial Systems PO BOX XXXX XXXX, KY XXXX XXXX : Collection Letter to XXXX XXXX. Your CR number XXXX, alleging A debt of {$110.00} To Whom It may Concern : Your letter received XXXX XXXX, XXXX, is an attempt to collect a debt. As such, I submit the following information, and a request : 1. I do not believe the amount cited is owed. 2. 2.Please provide any and all information and documentation connected with this account of {$110.00}. This should include an itemized accounting of what comprises this total of {$110.00}. 3. 3. In addition, if your firm has authorization to collect this, provide a copy of documentation showing the alleged contract with the XXXX County Jail and written documentation in support of your authorization. In addition, in a phone call to you it was stated that the fee is for fingerprinting, booking, and housing. By what authority is this amount charged? If there is a statutory authority, provide it, and if not, what other authority for collection of this amount is there? Please provide copies of theses along with the above-requested information. All responses are requested in writing to be sent to the address in the letterhead. Very truly yours, XXXX XXXX ************************************************************* Without replying to this letter, another letter was received on XXXX XXXX, XXXX, again from Advent in Kentucky, but with a signature of XXXX XXXX, XXXX, Sherifff of XXXX County, Indiana, saying " 2ND AND FINAL NOTICE '' threatening action, and of course, with added signature of Sheriff of XXXX County Indiana, made it appear that there would be " consequences '' if debt was not paid