| 09/29/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The following complaint is in reference to the CAPITAL RECOVERY SYSTEMS, INC CFPB response dated for XX/XX/2022. In this response, director XXXX XXXX XXXX states XXXX is a third-party government debt collection and customer service organization. The following statement confirms that CAPITAL RECOVERY SYSTEMS, INC is in-fact a Debt Collector pursuant to : 15 USC 1692a ( 6 ) ( b ), and the FDCPA in-fact applies to this complaint and to CAPITAL RECOVERY SYSTEMS , INC . In this response, director XXXX XXXX XXXX also states Contrary to the allegations in XXXX XXXX complaint : 1. XXXX XXXX is not a consumer and the FDCPA does not apply in this instance. The following statement is in-fact incorrect, pursuant to 15 USC 1692a ( 6 ) 3, the term Consumer reads as follows : The term consumer means any natural person obligated or allegedly obligated to pay any debt. In reference to the previous definition, I am a Natural Person, so as defined, I XXXX XXXX XXXX is in-fact a Consumer. Secondly, the FDCPA in-fact does apply due to CAPITAL RECOVERY SYSTEMS, INC being defined as an Debt Collector pursuant to 15 USC 1692a ( 6 ) ( b ). In this response, director XXXX XXXX XXXX also states Fines are not governed by the FDCPA. The following statement is in-fact false, pursuant to 15 USC 1692a ( 5 ) the term Debt reads as follows : The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. In reference to the previous definition, the alleged fines that XXXX XXXX is referring to is in-fact a Debt as defined under the FDCPA. In this response, director XXXX XXXX XXXX also states Mailing the letter identified by XXXX XXXX as the attachment does not violate 15 USC 1692c ( a ). this provision of the law is only applicable to communicating with consumer at any unusual or inconvenient time or place; communicating with consumer knowing hes represented by an attorney ; or, communicating with consumer at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. None of these circumstances are relevant to XXXX XXXX circumstances. The following statement ( s ) is in-fact incorrect, pursuant to 15 USC 1692c ( a ) it reads as follows : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. In reference to the previous section, CAPITAL RECOVERY SYSTEMS, INC in-fact did not receive prior consent from me the Consumer or the express permission of a court of competent jurisdiction, to communicate with me in connection with the collection of any debt. In terms, CAPITAL RECOVERY SYSTEMS, INC is in-fact in violation of 15 USC 1692c ( a ) for failing to follow the specific rules under this section. In this response, director XXXX XXXX XXXX also states XXXX XXXX attachment is not a violation of 15 USC 1692j ( a ). The letter is not deceptive. It accurately describes the creditor as the XXXX XXXX XXXX ; the amount owed, and, that the account has been placed with our office for collection. The following statements is in-fact incorrect, the referenced form attached is used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. CAPITAL RECOVERY SYSTEMS, INC designed, compiled, and furnished this form with the intent to create a false belief in me the Consumer. In terms, CAPITAL RECOVERY SYSTEMS, INC is in-fact in violation of 15 USC 1692j ( a ) for failing to follow the specific rules under this section. In this response, directoXXXX XXXX XXXX XXXX also states Finally, 15 USC 1692j ( a ) has not been violated. The letter clearly states the name of our business and XXXX XXXX XXXX is clearly identified as the creditor. The following statement is in-fact incorrect, the original code stated from this violation is 15 USC 1692e ( 14 ) not 15 USC 1692j ( a ). CAPITAL RECOVERY SYSTEMS , INC violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', the company form clearly shows the name of XXXX XXXX XXXX organization, which according to this subchapter is not the true name of the debt collectors business, company, or organization. The law is very clear and as follows- a debt collector is restricted from using any business, company, or organization name other than the true name of the debt collectors business, company, or organization, no exceptions. CAPITAL RECOVERY SYSTEMS, INC is in-fact in violation of 15 USC 1692e ( 14 ) for failing to follow the specific rules under this section. As demanded in my previous CFPB complaint, CAPITAL RECOVERY SYSTEMS, INC is in violation of all the stated codes listed. All evidence has been presented for review on how CAPITAL RECOVERY SYSTEMS, INC violated these codes, and Pursuant to 15 USC 1692k ( 2 ) ( A ) -Civil liability : In the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or. Consumer is entitled to {$1000.00} per violation, as allowed under this subchapter. CAPITAL RECOVERY SYSTEMS, INC shall be fined {$1000.00} per violation, totaling to {$3000.00} paid to the Consumer for all forgoing statutory damages.
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| 09/16/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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XXXX XXXX XXXX XXXX, as shown in Attachment of this complaint '', received a form from the Company alleging that Consumer owed a debt. Company violated 15 USC 1692c ( a ) - Communication in connection with debt collection. Defendant violated this code because it states in this subchapter : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Consumer did not give prior consent to company to communicate with him about any debt. Company did not receive express permission of a court of competent jurisdiction to contact Consumer about any debt. Company also violated 15 USC 1692j ( a ) - Furnishing certain deceptive forms. Company violated this code because it states in this subchapter : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company form that was received by Consumer is defined as a deceptive form as described in this subchapter because the said form created the false belief in the Consumer that a person is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company finally violated 15 USC 1692e ( XXXX ). Defendant violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', company form clearly shows the name of XXXX XXXX XXXX XXXX, which according to this subchapter is not the true name of the debt collectors business, company, or organization.
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| 04/21/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Last winter in XXXX, I received a parking ticket in the city I live in. The ticket was misplaced so the debt wasnt paid ( original amount was {$30.00} ). I went to the city parking site a few weeks ago to buy a permit and found that I had an outstanding ticket. I had never received a letter nor phone call informing me that the debt was overdue or that it had even been sent to collections. Additionally, I never received any mail or phone calls from the debt collection agency ( Capital Recovery Systems ) informing me of my debt or the possibility of disputing it. I havent had a chance to visit the city office because I am a XXXX XXXX XXXX and the hours they operate are when I am typically in class. Regardless, I had no clue about this debt and there were no attempts to reach out to me to inform me of it. I am not sure if the debt has collected interest or not, and even after I checked out the website of the agency I couldnt do anything to get more information as I needed an invoice number that was supposed to be received when notified of the debt ( which I didnt receive ).
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| 07/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Capital Recovery Systems at Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX has repeatedly tried to collect debt against me that is not mine. They have purchased parking tickets for a vehicle I have never owned. I have a similar name and live in the same town as the vehicle ( XXXX ). XX/XX/XXXX we cleared this up with them and they released us from this claim. Now they are sending letters to my parents home in XXXX that I have not lived in for 20 years. This is for the same debt that again is not ours. It is stressful on my spouse to have debt collections after us for debt that is not ours. Now they are interfering with the rest of my family.
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| 02/05/2018 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I received a letter from Capital Recovery Systems located in Michigan. They claim I owe money for judgements to a PA court from XX/XX/1998. This was something resolved with another Court. Additionally, they are claiming ridiculous amounts. 20 years ... really?
Collection Agencies shouldn't buy ( get consign ) old debt to harass people. I am in process of buying a new home for my Mother. She had a XXXX and the XXXX system failed her ... so I am doing what I can to make her life easier and help her recover. In the midst of making progress, Evil ( Collection Agencies ) try to stop progress.
HELP!
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| 12/27/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I just received a notice from Capital Recovery Systems , Inc. claiming that my past due balance for parking violation owed to XXXX XXXX XXXX has been referred to them for collection. It took me by total surprise because I have never parked any car in XXXX XXXX. It doesn't even mention the car tag, a date nor the address where the violation occurred. Moreover, I have never received any initial or following claims directly from XXXX XXXX XXXX about any violation before it was sent to collection. It is all very bizarre to say the least.
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| 04/13/2018 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Capital recovery has called my home number at Least 100 times trying to collect a debt from someone who used to have my number. I have requested them to stop and they keep calling and calling. I have no idea who they are calling for and I have no bad debts.
their number XXXX
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| 12/04/2023 |
Yes |
- Debt collection
- I do not know
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- Electronic communications
- Frequent or repeated messages
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Web |
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| 11/09/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 05/01/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 04/11/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 12/19/2020 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 09/02/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Phone |
Older American |
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| 05/21/2020 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Postal mail |
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| 12/02/2019 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Referral |
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| 11/20/2019 |
No |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 03/28/2019 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Postal mail |
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| 09/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Postal mail |
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| 01/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 08/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Threatened to take legal action
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Phone |
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| 07/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Fax |
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| 05/31/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 11/18/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Called outside of 8am-9pm
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Web |
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| 09/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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| 09/02/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Phone |
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