Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX, Florida Formal Complaint with CFPB Against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX Regarding calls and SMS contacts before and After I sent Cease and Desist letter on Debt Collection account /Agency ID XXXX I am writing to formally lodge a complaint against CENTRAL PORTFOLIO CONT for contacting me via calls and XXXX  before and AFTER I had previously sent a formal Cease and Desist letter requesting that no further communication take place regarding my debt. 
Despite my clear request, sent on XX/XX/XXXX ( see image attached ) -I received countless calls and over XXXX XXXX  messages from CENTRAL PORTFOLIO CONT between XX/XX/XXXX and XX/XX/XXXX ( see images of some of these XXXX  ) This action is in direct violation of my rights and various applicable laws governing debt collection practices. 

To summarize the situation : On XX/XX/XXXX I sent CENTRAL PORTFOLIO CONT Cease and Desist letter ( see image attached ) I sent CENTRAL PORTFOLIO CONT a Cease-and-Desist letter requesting that all communication be halted. 
Despite this, between XX/XX/XXXX and XX/XX/XXXX I received countless calls and over XXXX XXXX  messages from CENTRAL PORTFOLIO CONT, which constitutes unlawful communication under the relevant laws. 

This is a violation of the following laws and regulations : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ) : o Under the FDCPA, once a debtor has sent a Cease-and-Desist letter, all communication from a debt collector must cease, except for specific circumstances ( such as providing notice of legal action ). Your attempt to contact me after receiving the Cease-and-Desist letter constitutes a violation of this provision. 
o Your agency 's action was in direct defiance of my request to halt further communication, which is expressly prohibited under Section 1692c ( c ).

2. Telephone Consumer Protection Act ( TCPA ) 47 U.S.C. 227 : o Under the TCPA, contacting me via XXXX, particularly after I had clearly requested no further communication, is prohibited. Such messages fall within the scope of " automated or prerecorded '' communications, which are not allowed without prior consent when the debtor has invoked the cease-and-desist provision. 
3. State-Specific Debt Collection Laws : 1. Florida Consumer Collection Practices Act ( FCCPA ) Florida has its own version of debt collection laws, the Florida Consumer Collection Practices Act ( FCCPA ), which is outlined in Florida Statutes, XXXX  XXXX. 
Cease and Desist Requests : Similar to the FDCPA, under Section 559.72 ( 7 ) of the FCCPA, if a consumer notifies a debt collector in writing to cease further communication, the debt collector is prohibited from continuing to contact the consumer. This means once a debt collector receives a valid written cease and desist notice, they are forbidden from attempting to communicate further regarding the debt, except for specific legal notices. 
o Cease and Desist Notice Effect : The FCCPA ( Section 559.72 ( 7 ) ) mandates that the collector " must cease communication '' upon receiving a written notice from the consumer to stop. Failure to comply with this notice can lead to legal consequences. 
2. XXXX  Communication and Violations Florida Law on Electronic Communications : While Florida does not have specific laws targeting XXXX  communication by debt collectors, these types of communications are regulated under federal law, particularly the Telephone Consumer Protection Act ( TCPA ) and the FDCPA. 
Under the FDCPA, debt collectors are prohibited from engaging in harassing or abusive communication, which includes sending unsolicited text messages or contacting a consumer in ways that they have requested to stop. If you sent a cease-and-desist letter to the debt collector and they subsequently contacted you via XXXX, they would be in violation of both federal law and the Florida FCCPA. 
3. Additional Florida State Law on Communication : Florida Statute 501.059 : This statute regulates " unsolicited commercial communication '' and includes provisions related to electronic communication methods like XXXX  and email. If a debt collector contacts you in an unsolicited manner after you have opted out or requested no further contact, this could be viewed as an unlawful practice under Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ).

o Debt collectors may also violate the Florida Telemarketing Act if they continue to contact you after youve placed yourself on a Do Not Call list or explicitly requested cessation of communication.

4. Penalties for Violating Cease and Desist In Florida, if a debt collector violates the FCCPA by contacting you after receiving a cease and desist letter, you have the right to pursue damages, including statutory damages up to {$1000.00} per violation and the potential for actual damages, attorney fees, and court costs. 
Because I received over XXXX XXXX  on my cell phone -Even after I sent Cease and Desist I am filing complaint and asking action to be taken from ALL agencies below FDCPA FCCPA.

Florida Office of the Attorney General Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Key Takeaways for Florida Consumers : Cease and Desist : Once you send a written cease and desist letter to a debt collector, they are legally required to stop all forms of communication, including XXXX  and other electronic messages. 
XXXX  Violations : Contacting you by XXXX  after a cease and desist is a violation of both the FCCPA and FDCPA and could subject the collector to penalties. 
Enforcement and Remedies : You can pursue legal action for damages if a debt collector violates your rights. Filing a complaint with relevant state and federal authorities is a powerful tool to protect your rights. 

Requested Action : I demand following actions immediately : CENTRAL PORTFOLIO CONT to Cease and desist all forms of communication with me in any manner, including via phone, text, or email, as required by the FDCPA and the TCPA. 
CENTRAL PORTFOLIO CONT to Provide written confirmation within [ 7-10 days ] acknowledging that my Cease-and-Desist request has been fully processed and that no further contact will occur. 
If CENTRAL PORTFOLIO CONT has shared my information with third parties or reporting agencies since the unlawful contact, I demand an immediate investigation and removal of any inaccurate information that was reported as a result of this violation. 
Full investigation of CENTRAL PORTFOLIO CONT to determine the exact number of times CENTRAL PORTFOLIO CONT sent me XXXX  on debt collection Full investigation of CENTRAL PORTFOLIO CONT to determine the exact amount of times CENTRAL PORTFOLIO CONT sent me XXXX  on debt collection AFTER I sent Cease and Desist letter Statutory damages up to {$1000.00} per each violation from CENTRAL PORTFOLIO CONT Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX