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Business Profile

Collections Agencies

Capital Management Services, LP

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Capital Management Services, LP's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 30 total complaints in the last 3 years.
    • 17 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/15/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing a formal complaint against Capital Management Services, LP for failing to comply with my debt validation request and violating my cease-and-desist notice. On March 19, 2025, I sent a written request to Capital Management Services, LP asking for the following documentation to validate the alleged debt they are attempting to collect Name and Contact Information of the Original Creditor: Complete details and contact information of the original creditor. Complete Accounting History and Paper Trail: A full account statement, including the original amount of the debt, all charges, fees, and interest applied. An itemized paper trail of all transactions related to this alleged debt. Proof of Authority to Collect: Written verification that Capital Management Services, LP is legally authorized to collect and report this alleged debt. Signed Agreement and Consent: A copy of the original written agreement or contract bearing my signature (wet ink), indicating my explicit consent to be bound to this alleged debt. Proof of my consent to transmit, sell, or share any information about this account to third parties. Video Evidence: Any video or audio recordings showing that I entered into a financial institution and agreed to the terms of this alleged debt. In addition to my validation request, on March 19, 2025, I sent a cease-and-desist letter instructing Capital Management Services, LP to stop all communication with me regarding this matter. Despite this, the collection agency has continued to contact me, which is a clear violation of my rights under the Fair Debt Collection Practices Act (FDCPA). Given their failure to validate the debt and their disregard for my cease-and-desist notice, I am demanding that this alleged debt be removed from all credit reporting agencies immediately. I request the BBB's assistance. Thank you for your attention and help in resolving this issue.

      Business Response

      Date: 04/18/2025

      Capital Management Services, LP (“CMS”) is in receipt of your recent correspondence regarding ******** ** ********.  It is our understanding that Ms. ** ******** is dissatisfied with the documentation provided to her to substantiate/verify the accounts in our office for collections.  Ms. ** ******** states that, absent a “wet ink signature”, the debt cannot be verified.  Ms. ** ******** believes this means that the accounts must be removed from her credit bureau report. On March 5, 2025, two matters were placed in our office by our client, **** ** ******** **** (the “Bank”) with the name ******** ****** ** ***** *sic] for accounts ending in **** and ****.  On March 7, 2025, as required by Federal law, an initial dunning notice was mailed to Ms. ** ******** for each account, advising her of her right to request verification of debt. To date, our office has not spoken with Ms. ** ******** regarding the accounts.  On March 25, 2025, our office received Ms. ** ********’s **** complaint, in which she requested verification of the debts.  On March 26, 2025, our office received Ms. ** ********’s written request for verification of debt.  However, upon receipt of the **** complaint, our office coded the accounts for verification of debt.  The information required to fulfill the request for each account was then requested from the Bank.  On March 31, 2025, the information for both accounts was forwarded to Ms. ** ******** for review.  Ms. ** ******** now states that, as there was no “wet ink signature”, the documentation is insufficient. While Ms. ** ********’s request for information did include a detailed list of items to which she believes she is entitled, please be advised that, under the FDCPA, there is no set legal standard setting forth what constitutes proper validation.  In fact, a debt collector may opt to not respond at all to such a request, as long as it ceases collection efforts upon receipt of same.  Nevertheless, CMS did opt to respond to Ms. ** ********’s request, with information provided to it directly from the Bank.  I have reviewed the information provided to Ms. ** ******** and can confirm that it did contain information sufficient to demonstrate receipt of an application for an account (annual salary, employer, name, SSN, address and the like), as well as several months’ worth of detailed statements for each account.  CMS therefore denies that it failed to properly respond to Ms. ** ********’s request for verification of debt; to the contrary, the information received from the Bank more than adequately substantiates the debt. Ms. ** ******** maintains that CMS continues to contact her despite a clear request for cease and desist.  Please be advised that, outside of its response to her request for verification, CMS has made no effort to contact Ms. ** ********. Finally, as Ms. ** ******** was previously advised in our response to her **** complaint, CMS is a third-party debt collection agency.  As such, we do not own any of the accounts in our office and we do not report to any of the credit reporting bureaus.  We cannot remove an entry on a report not placed by our office.  Should Ms. ** ******** wish to discuss the manner in which her accounts are being reported, she may contact the Bank directly at ***************I trust this response will satisfy your request.  Should you have any further questions, please do not hesitate to contact me at ************************************** Sincerely,Cory R. MagnusonCory R. Magnuson, Esq. General Counsel 

    • Initial Complaint

      Date:04/13/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for the credit with ******** **** *******. I do not have a contract with Capital Management Services, LP, they did not provide me with the original contract as I requested.

      Customer Answer

      Date: 04/14/2025

      The burden of proof falls on the collection agency not the consumer (me). I find it concerning that Capital Management LP is not complying with legal requests. I request Capital Management LP to provide proof they sent debt verification, as is my legal right. If Capital Management LP cannot provide proof, i demand this account be removed from my credit report as is my right per FCRA sectio. 623.(a)(i). This is my last request before i file a formal complaint with the CFPB and FTC. 

      Business Response

      Date: 04/15/2025

      Capital Management Services, LP (“CMS”) is in receipt of your recent correspondence regarding **** **** (“****”).  It is our understanding that **** would like verification of debt for the account placed with our office for collection.  **** would further like for the account to be removed from any credit reporting. On March 7, 2025, an account was placed in our office by our client, ******** **** ******** (the “Bank”) with the name **** ****.  On March 9, 2025, as required by Federal law, an initial dunning notice was mailed to ****, advising of the right to request verification of debt.   To date, our office has not had an opportunity to speak with **** regarding this matter.  Further, contrary to the claim made in the complaint, we have received no request from **** for verification of debt/original contract with the Bank.  We therefore deny that CMS failed to respond to a request for documentation.  Upon receipt of the complaint, our office coded the account for verification of debt, and the information required to fulfill this request will be requested from the Bank.  Upon receipt of same, it will be forwarded to **** for review.  No further collection attempts will be made with respect to this placement of the account until such time as we have responded to ****’s request for verification.In the complaint, **** states that there is no responsibility for the debt, as no contract was made with CMS.  Please be advised that, under the FDCPA, there is no legal requirement for a collection agency to first contract with a consumer prior to any attempt to collect a debt.  CMS engaged in debt collection activity with respect to ****’s account in the course of its normal daily business with the Bank.  It is therefore not in violation of any law or statute. With respect to ****’s request that the account be removed from all credit reporting, please be advised that CMS is a third-party debt collection agency.  As such, we do not own any account in our office, and we do not report to any of the credit reporting agencies.  We cannot remove an entry on a credit report that was not placed by our office.  Should **** wish to discuss the manner in which the account is being reported, **** may contact the Bank directly. I trust this response will satisfy your request.  Should you have any further questions, please do not hesitate to contact me at ************************************* Sincerely, Cory *. M*******Cory R. Magnuson, Esq. General Counsel 

    • Initial Complaint

      Date:03/25/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you cannot prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act (FDCPA) 15USC §1692(g)b – Validation of debts. You {Capital Management Services} failed to validate this alleged debt”. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe.

      Business Response

      Date: 04/01/2025

      The business has responded to the complaint however has requested that their response not be published.

    • Initial Complaint

      Date:02/20/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      DEBT VALIDATION LETTER Your Name :***** * ******** Your Address: **** **** **** ** *** *** ************** ***** ***************** Debt Collector Name: capital management service ,LP Debt Collector Address: *** *** ***** ***** ****** ******** ** ***********  I am reaching out to whomever this matter concerns on behalf of myself, **** ***, a federally protected consumer. I am enforcing my rights according to 15 USO 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that i am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer. I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violatea under the FDCPA and FCRA. You have 30 days to validate this debt and during this time all furnishing arid collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 daj/58 to validate this debt it shall be deleted and removed from my credit file immediately. I have also attached CEASE AND DESIST that is effective immediately. If adverse action is taken against me as a consumer i will consult my legal counsel. Please be advised that according to 15 USC 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3)a statement that unless the consumer, within thirty days after receipt of the notice

      Business Response

      Date: 03/12/2025

       The business has responded to the complaint however has requested that their response not be published.

    • Initial Complaint

      Date:12/12/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing a formal complaint against Capital Management Services, LP for failing to comply with my debt validation request and violating my cease and desist notice. On October 20, 2024, I sent a written request toCapital Management Services, LP asking for the following documentation to validate the alleged debt they are attempting to collect: Name and Contact Information of the Original Creditor: Complete details and contact information of the original creditor. Complete Accounting History and Paper Trail: A full account statement, including the original amount of the debt, all charges, fees, and interest applied. An itemized paper trail of all transactions related to this alleged debt. Proof of Authority to Collect: Written verification that Capital Management Services, LP is legally authorized to collect and report this alleged debt. Signed Agreement and Consent: A copy of the original written agreement or contract bearing my signature (wet ink), indicating my explicit consent to be bound to this alleged debt. Proof of my consent to transmit, sell, or share any information about this account to third parties. Video Evidence: Any video or audio recordings showing that I entered into a financial institution and agreed to the terms of this alleged debt. In addition to my validation request, on November 25, 2024, I sent a cease and desist letter instructing Capital Management Services, LP to stop all communication with me regarding this matter. Despite this, the collection agency has continued to contact me, which is a clear violation of my rights under the Fair Debt Collection Practices Act (FDCPA). Given their failure to validate the debt and their disregard for my cease and desist notice, I am demanding that this alleged debt be removed from all credit reporting agencies immediately. I request the BBB's assistance. Thank you for your attention and help in resolving this issue.

      Business Response

      Date: 12/19/2024

      Capital Management Services, LP (“CMS”) is in receipt of your recent correspondence regarding ****** ****.  It is our understanding that Ms. **** would like verification of debt for the account placed with our office for collection.  Ms. **** would further like for no further contact from our office regarding this matter, as well as the account to be removed from her credit report. On October 18, 2024, a matter was placed in our office by our client, ******** **** (the “Bank”) with the name ****** ****.  On October 20, 2024, as required by Federal law, an initial dunning notice was mailed to Ms. ****, advising her of her right to request verification of debt.  To date, our office has not spoken with Ms. ****; however, on November 18, 2024, our office received correspondence from Ms. **** in which she requested verification of debt.  Our office then coded the account for verification of debt and requested the responding information from the Bank. The requested information was received on November 22, 2024, at which time it was forwarded to Ms. **** for review. On December 11, 2024, our office received correspondence from Ms. ****, in which she again requests verification of debt.  Ms. **** also makes a request that  cease and desist any further contact with respect to this account.  Please be advised that her account has been coded for cease and desist and closed in our office.  Ms. **** will receive no further communication from CMS regarding this placement of her account. With respect to Ms. ****’s request that the account be removed from her credit report, please be advised that CMS is a third-party debt collection agency.  As such, we do not own any account in our office, and we do not report to any of the credit reporting agencies.  Should Ms. **** wish to discuss the manner in which her account is being reported, she may contact the Bank directly. I trust this response will satisfy your request.  Should you have any further questions, please do not hesitate to contact me at the email address referenced above. .  Sincerely, Cory *. M******* Cory *. M******** **** General Counsel  

    • Initial Complaint

      Date:11/06/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was forced to pay an illegitimate medical bill for another person, non-related, but I paid it and now the collection agency seems to want more. Feels like blackmail. I would not answer the phone but immediately looked them up and was horrified at what I saw and called my estate-settlement lawyer and she is now researching the illegitimate bill and might try to help me with this present threat. So I am writing this in the meantime to state that unscrupulous people with a taste for money will and CAN ruin people's lives with their abuse. BEWARE ALL!!! Maybe it will help to stop your phone service completely, if you are like me you might seriously consider it. I have no debts of my own and an extremely simple life and I always pay all debts promptly. Most people do.

      Business Response

      Date: 11/07/2024

      The business has responded to the complaint however has requested that their response not be published.

    • Initial Complaint

      Date:10/29/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      If the company can’t provide the name of the original lender, I would like to be removed from their call list and a cease and desist be placed. Someone claiming to be from Capital Management has been calling and harassing myself, husband, and sisters about a debt that I owe. They cannot provide a name of the original lender. The last time they called I returned the call. They wanted me to confirm the last 4 digits of my social. When I told them no, he said “You’ll be served at your job. Good luck with that.” I don’t know what this company is or who sold my alleged debt to them. 

      Business Response

      Date: 10/30/2024

      The business has responded to the complaint however has requested that their response not be published.

    • Initial Complaint

      Date:09/16/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      letter stating that I have an unsettled debt which i dont have an account for

      Business Response

      Date: 09/25/2024

      The business has responded to the complaint however has requested that their response not be published.

    • Initial Complaint

      Date:08/30/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      The company keeps harassing and calling my number. I do not owe anything to anyone. I keep up with my credit but they keep calling me every single day.

      Business Response

      Date: 09/12/2024

      The business has responded to the complaint however has requested that their response not be published. 

    • Initial Complaint

      Date:07/27/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing this complaint against Capital Management Services, LP, a third-party debt collector, for engaging in unlawful debt collection practices in violation of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq. Capital Management Services, LP is attempting to collect an alleged debt for which I have no contract or agreement with their company. Details of the Issue: No Valid Contract: I have never entered into any contract or agreement with Capital Management Services, LP. They are attempting to collect an alleged debt that I purportedly owe to ******** Bank Delaware. There is no privity of contract between myself and Capital Management Services, LP. Cease and Desist Letter: On July 22, 2024, I sent a formal cease and desist letter to Capital Management Services, LP, pursuant to 15 U.S.C. § 1692c(c), instructing them to cease all communication and collection activities immediately. Despite this, they have continued their collection efforts, which is a clear violation of the FDCPA. Misleading Representation: Capital Management Services, LP has engaged in false and misleading representation in connection with the collection of this debt, violating 15 U.S.C. § 1692e.

      Business Response

      Date: 07/30/2024

      The business has responded to the complaint however has requested that their response not be published. 

    Capital Management Services, LP is NOT a BBB Accredited Business.

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