Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.…
CFPB COMPLAINT DATABASE
FirstPoint Collection Resources
77 real consumer complaints filed against FirstPoint Collection Resources at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Attempts to collect debt not owed26
- 02Written notification about debt14
- 03False statements or representation13
- 04Incorrect information on your report9
- 05Took or threatened to take negative or legal action5
Top states filing
Recent complaints
The 30 most recent complaints against FirstPoint Collection Resources where the consumer chose to publish their narrative.
I am disputing an account that appears on my credit report with XXXX XXXX. I did not receive any service from this company, and I am not liable for additional charges. Despite my attempts to resolve this directly with the company and the credit bureau, the account remains on my credit report. I request that the company and the credit reporting agencies investigate this account. Under the Fair Credit Reporting Act ( FCRA ), inaccurate information must be corrected or removed. I am asking that this account be removed from my credit report because it is incorrect, and I have no obligation to pay it. Please confirm the removal of this inaccurate account from my credit report .
Validation of Debt Request - FIRSTPOINT COLL RESO/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
A collection account is being reported on my credit file by FirstPoint Collection Resources for {$100.00} that I do not owe. After contacting the collection agency, I was informed the alleged debt is from XXXX XXXX ( XXXX ) for an auto insurance policy opened on XX/XX/year> for a XXXX XXXX. This account is fraudulent. The information used to open the policy does not match my identity. The account has the same date of birth but a different address, a different drivers license number, and a different last name combination than mine. I only have one last name. I did not open this account, authorize this policy, or receive any services related to this debt. This appears to be identity theft. I have requested debt validation and am filing an identity theft report. I am requesting that this fraudulent account be investigated and removed from my credit report.
To Whom It May Concern, I am submitting this formal complaint regarding an improperly reported collection account furnished by FirstPoint Collection Resources, which is reporting a debt without providing legally sufficient proof that it has the authority to collect or report this account. This complaint concerns violations of the Fair Credit Reporting Act ( FCRA ) and applicable federal consumer protection standards. Account XXXX XXXX XXXX : FirstPoint Collection Resources Account Number : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Allegedly Owed : {$230.00} Account Status : Closed / Collection / Charge-Off Reporting Bureau : Equifax Dispute XXXX : Consumer disputes this account information Failure to Provide Proof of Legal Assignment FirstPoint Collection Resources XXXX XXXX this account as a collection obligation without producing any valid proof of assignment or ownership.…
This correspondence constitutes formal notice that FirstPoint Collection Resources has unlawfully obtained, accessed, and/or used my consumer report without permissible purpose or authorization, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have never provided your company with written, verbal, or implied authorization to access my consumer credit file. As such, your actions constitute a willful violation of 15 U.S.C. 1681b, which strictly limits the circumstances under which a consumer report may be obtained. No such circumstance applies here. Additionally, pursuant to 15 U.S.C. 1681c-2, any information resulting from an identity misuse, unauthorized access, or lack of lawful purpose is required to be blocked and deleted immediately. Your continued reporting, collection activity, or verification of this account after receipt of this notice will be considered knowing and intentional noncompliance.
I began receiving text messages from First Point collection. Since XX/XX/year> saying I owe money for car insurance which doesnt make since because if you dont pay for car insurance you dont get car insurance it just candles I have car insurance with state farm I told XXXX XXXX XXXX XXXX was canceling because they were taking advantage of me and over charging. Put me on hold stopped answering calls. They say I owe {$180.00} when my car insurance was {$300.00} a month so that doesnt make sense either. Never got a letter in the mail or anything just texts every few days.
Company : FirstPoint Collection Resources , Inc . Amount : {$2200.00} Subject : Dispute of Collection Account Failure to Verify Ownership and Authority To Whom It May Concern, I am submitting this complaint to formally dispute a collection account being reported by FirstPoint Collection Resources , Inc. regarding an alleged debt in the amount of {$2200.00}. I dispute the validity of this account because FirstPoint Collection Resources has failed to provide adequate documentation demonstrating that it has the legal right to collect this debt or to report it to the consumer reporting agencies. Specifically, FirstPoint Collection Resources has not provided : Proof of ownership of the alleged debt, including a complete chain of title showing lawful assignment Documentation demonstrating that my specific account was included in any sale or transfer Proof of authorization to collect on behalf of the original creditor, if the debt was not purchased A complete and accurate itemization of…
This letter serves as a formal and final request factual validation of the alleged XXXX XXXX account you are reporting under my name. I dispute this account in its entirety. The document you provided a billing statement from your client, XXXX XXXX does not constitute verifiable evidence under the Fair Credit Reporting Act ( FCRA ). A billing statement alone does not establish ownership, responsibility, or legal obligation, nor does it prove that I ever resided at, leased, or received services at the alleged service address. To date, you have failed to provide any competent documentation demonstrating : - That I ever resided at the referenced property - That I entered into any agreement with XXXX XXXX - That I authorized utility service at that address - That I am the lawful account holder - That you possess the legal right to collect or report this alleged debt Additionally, during my own investigation, I was advised that the referenced property was not occupied and was not leased…
They called me today XX/XX/XXXX at XXXX and I picked up the call not knowing who it was. This is the first time I have spoken with anybody over the phone at all about this alleged debt. She said there were XXXX accounts from a radiology clinic. XXXX from this year which I am aware of and was supposed to be covered by workers comp so I am in the process of dealing with that and then XXXX from XXXX for a few XXXX dollars that I wasnt sure about. She also said it was XXXX to credit reporting ( aka its not even on my credit report ). I requested for written verification of the debt via mail since I wasnt sure what she was referencing and she said they dont do that and theyre only required to notify me which is what she was doing.…
XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Point XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX Re : Account # XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. Collection for a balance of XXXX reporting to XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you, please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.…
I maintained auto insurance with XXXX XXXX through XXXX XXXX XXXX in XXXX, NC. My policy was on autopay. In XXXX, I traded in my vehicle and obtained a new one. XXXX XXXX was no longer the best insurance option for the new vehicle, so the policy was canceled prior to renewal. The final payment was paid through autopay. After cancellation, XXXX XXXX assessed a {$100.00} cancellation fee. This fee was never billed to my card on file, and I was never notified that a balance remained due. I only became aware of this alleged balance after it appeared as a collection account on my credit report. The collection agency, FirstPoint Collection Resources, claims they can not remove the collection from my credit report even if paid, and that only XXXX XXXX can authorize removal. I contacted XXXX XXXX directly, spoke with a representative named XXXX, and paid the balance in full. I was informed that the matter was resolved and that the account should be removed.…
First Point Collection Services emailed me threatening to sue me for a debt not owed and threatened to collect exempt funds. As a permanently XXXX XXXX Veteran my funds are exempt from the claims of creditors. They refuse to validate this debt and I will not tolerate being harassment or tolerate abusive language.
I am filing this complaint regarding FirstPoint Collection Resources. They are reporting and attempting to collect a debt that is the result of identity theft. The account is listed as originating from XXXX XXXX XXXX XXXX in the amount of {$850.00}. I did not open, authorize, or benefit from this account. I have never had an account with XXXX XXXX XXXX XXXX. I have filed an Identity Theft Report and am providing supporting documentation. Under the Fair Credit Reporting Act Section 605B, this fraudulent account must be blocked and removed from my credit reports. FirstPoint Collection Resources is attempting to collect a debt I do not owe and is reporting inaccurate information. I am requesting immediate deletion of this account from all credit bureaus and written confirmation that collection activity has ceased.
I was threatened in an email with very abusive language saying I'll face " CRUSHING '' legal action and only had three hours to reply to a debt that I don't even have nor have any information about outside of allegedly having a payday loan. I've never taken one out with XXXX XXXX ( the company claimed in the email ) or anyone for that matter. This is very unsafe and very illegal!
Response to Company / Request for Resolution The companys response does not resolve my complaint. They provided insurance declarations and policy information only. These documents do not contain my signature or any verifiable e-signature evidence. The company admits the signature page was not provided and claims it was retained by the agent. An agent or company authorized signature does not establish consumer consent. No consumer-authenticated agreement, e-signature audit trail, timestamp, IP address, or authentication method was produced. Because the alleged debt has not been properly validated, continued reporting or collection is inaccurate under the FDCPA, FCRA, and California law. I am requesting deletion of this account from all credit reporting agencies or proper validation that includes proof of my authorization.
I am submitting a complaint against FirstPoint Collection Resources for failing to provide debt validation after a timely written request and continuing to furnish information to a credit reporting agency in violation of federal law. On dates XX/XX/year>, and XXXX XXXX, I sent FirstPoint Collection Resources a written debt validation requests pursuant to FDCPA 809 ( b ). FirstPoint received my request but failed to provide any validation or verification of the alleged debt. Under FDCPA 809 ( b ), once a consumer requests validation, the debt collector is required to cease all collection activity, including credit reporting, until proper validation is provided. Despite failing to validate debt, FirstPoint Collection Resources continues to report this account to Equifax, which constitutes continued collection activity.…
This company is attempting to collect on a debt that I do not owe. I became aware of the account when I applied for credit, got denied, and pulled a copy of my credit reports. This company never even sent me a collection notice. Pursuant to the FTC, this is known as debt parking which is illegal. I demand proof that I owe such debt. I demand to receive the following ; 1 ) proof a collection notice was sent to me by providing a copy of the green return receipt or shipping number, 2 ) a copy of all statements and contract, 3 ) proof of ownership or assignment by sending me a purchase agreement or assignment agreement. Otherwise I will seek legal action
FirstPoint Collection Services is reporting a collection account related to a XXXX utility bill without providing required validation or complete, accurate information. The tradeline lacks key details necessary to verify the debt, including documentation of the service address, billing period, and itemization supporting the reported balance. No payment history is displayed, and the account continues to be reported despite the absence of proper validation. I disputed this account and requested verification. FirstPoint has continued to furnish the collection to the credit reporting agencies without providing the required information to substantiate the debt. This incomplete and unverified reporting is inaccurate and misleading and has caused ongoing harm to my credit profile, including interference with employment and military eligibility.
Unlawful Contract Modification and Unauthorized Charge by XXXX XXXX I am submitting a formal complaint regarding XXXX XXXX for unlawful billing practices, unauthorized charges, and improper contract modification without my consent. I have been a XXXX customer for over five years. When I signed my original contract, there was no requirement to provide a 30-day cancellation notice. XXXX recently charged me for an additional month ( {$55.00} ) solely based on a contract update that I never received, never reviewed, and never agreed to. XXXX claims they sent emails about updated contract terms, but email notifications do not constitute legal consent, nor do they override a written signed agreement. XXXX has not provided : a copy of the original signed contract, proof that a 30-day notice clause existed, or any documentation showing that I agreed to new terms.…
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.
I consider First Point Collection to be incompetent and dishonest. I was in communication with them and they sent me the same information repeatedly. The account numbers reported by XXXX XXXX and XXXX XXXX XXXX are completely different. I have no Debt to XXXX XXXX XXXX, they cant proof confirmed no debt, and I personally have no outstanding balance with them. They can say where the debt from XXXX XXXX come from I sent to First Point Collection my receipt and for XXXX XXXX XXXX. The account number they reported from XXXX XXXX XXXX and XXXX XXXX XXXX are not the same. They tried to manipulate information thats not fair. They can keep reporting collection on my credit report I am requesting that collection be immediately removed from my credit report. The way First Point Collection has handled this situation is truly disappointing.
This company is reporting inaccurate and conflicting information. The debt was paid, but the account is still reporting in a way that makes it appear owed or active. I requested accurate reporting and documentation, and the company did not provide it. Under FCRA 623 ( a ), furnishers must report complete and accurate information. I am asking for a full reinvestigation and correction or deletion due to inaccurate reporting.
Subject : Formal Dispute and Demand for Deletion of Fraudulent Account Violation of FCRA & FDCPA Dear FirstPoint Collections Department, I am writing to formally dispute the accuracy and validity of a collection account that your company has reported to the credit bureaus. The account in question allegedly concerns a balance of {$230.00} connected to XXXX XXXX XXXX. Your records indicate an open date of XX/XX/year>, which is both fraudulent and inaccurate. According to my records, the XXXX XXXX XXXX policy associated with this account was closed on XX/XX/year>, and I never received any notice of a final bill, balance due, or collection warning from XXXX XXXX. I was unaware that any balance existed, and I was not provided any opportunity to address it prior to your companys reporting. The reporting of a false open date and the appearance of this collection on my credit report constitute willful and negligent violations of federal law. Violations Cited : 1.…
XXXX XXXX XXXX XXXX XXXX XXXX [ preferred ] Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Consumer Complaint Against : XXXX XXXX XXXX ( XXXX ) Policy # : XXXX and XXXX Subject : Improper Billing, Chargeback Disputes Ignored, Unlawful Collection Escalation Dear CFPB, I am filing this complaint to report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX failure to resolve two formally disputed charges totaling {$710.00} and their continued collection efforts despite the matter being resolved in my favor through my credit card issuer, XXXX XXXX Summary of Disputed Charges : i ) {$410.00} ( dated XX/XX/XXXX ) ii ) {$300.00} ( dated XX/XX/XXXX ) I initiated two formal chargebacks with XXXX XXXX, citing unauthorized and invalid charges stemming from policy mismanagement and unacknowledged documentation. In both cases, XXXX XXXX issued temporary credits, notified XXXX XXXX, and awaited a response.…
I'm filing this complaint to request investigation into proper billing and reporting practices by FIRST POINT COLLECTIONS INC. The company sent me a debt notice dated XX/XX/year>, but was posted marked XX/XX/year> the day I received first notice which was well over the 5 day limit under 15 U.S C 1692g ( a ). This violated FDACP Act and denied timely notice. In addition they failed to provide a verified accounting instead sent itemized statements which doesn't meet standards under 6001 or billing accuracy requirements 15 U.S.C. Also there was purchase made for XXXX ( enclosed ) of alleged debt but doesn't have a heading? ...…
I recently discovered that fraudulent accounts/inquiries were added to my credit report under my name and Social Security number. I did not open or authorize these accounts. I have contacted [ company names ] to dispute these items but they remain on my credit file. I am in the process of filing an identity-theft report through XXXX and XXXX also file a police report to support this case. Once those are filed, I will provide copies to the companies and credit bureaus. Requested resolution : Remove or block all fraudulent information from my credit report, delete any related inquiries, and confirm in writing or email when completed Account agency is XXXX XXXX XXXX the original is XXXX XXXX I have also never lived at XXXX XXXX XXXX
This is my formal rebuttal to the companys response. Their explanation fails to meet the requirements under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). XXXX. Improper Validation : The company only provided internal records and statements from XXXX XXXX. Under 15 U.S.C. 1692g ( b ), proper validation requires proof of how the alleged balance was calculated and legal documentation showing I am obligated to pay them. These items were not provided. XXXX. No Proof of Authority or Assignment : They admitted they do not buy debt and are merely a servicing agent. However, they have not shown written authorization from XXXX XXXX permitting them to collect or report my information. Without this, they have no standing to handle or disclose my personal data. XXXX. Failure to Provide Method of Verification : Under 15 U.S.C.…
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against FIRSTPOINT COLLECTION RESOURCES a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C.…
To Whom It May Concern, This letter is in response to your recent communication and the documents provided regarding the above-referenced account. While you have submitted certain materials, your response does not satisfy your obligations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Chain of Custody & Ownership of Debt You have not provided legal documentation that proves First Point Collection Resources has the lawful right to collect on this alleged debt. A mere membership application or account statement from XXXX XXXX does not establish that you purchased the account or that you have the legal standing to collect. 2. Verification vs. Validation Under 15 U.S.C. 1692g ( b ), proper validation requires more than just reproducing internal records ; it requires showing how the alleged balance was calculated and proving the debt is legally enforceable.…
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