Product: Vehicle loan or lease

I am filing a formal complaint against XXXX  XXXX XXXX ( XXXX ) for multiple violations of federal and state debt collection laws, harassment, and misrepresentation of debt balances. Despite my documented XXXX status as an amputee, reliance on XXXX, and financial hardship, XXXX has engaged in relentless collection efforts that have caused severe emotional distress. Their conduct appears to be in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Michigan consumer protection laws. 

XXXX. Excessive and Harassing Contact Despite a Formal Cease Request I formally requested that XXXX cease all collection attempts, both verbally and in writing, as the repeated calls, voicemails, text messages, and emails were causing significant psychological distress and financial strain. XXXX has completely ignored these requests and instead increased the frequency of their collection attempts. 

I have received multiple phone calls per day, often from different numbers, including XXXX and XXXX. 
Text messages and emails have continued daily, despite my cease-and-desist request. 
Voicemails from XXXX representatives contain aggressive demands for payment and create unnecessary stress. 
These communications have been disruptive and have significantly worsened my XXXX and anxiety, impacting my ability to manage my XXXX. 
Under 15 U.S.C. 1692c ( c ) of the FDCPA, once a debtor requests that communication cease, a creditor may only contact them for legal action purposes. XXXX has disregarded this entirely, violating federal law. 

XXXX. Discrepancies and Misrepresentation of Past-Due Amounts XXXX  has provided conflicting delinquency dates and past-due balances, making it impossible for me to understand the true status of my account. 

On XX/XX/year>, an email from XXXX stated that I was XXXX  days past due, owing {$1400.00}. 
However, prior text messages from XXXX showed different delinquency dates and amounts. 
XXXX has not provided any documentation or written validation of my balance, interest charges, or outstanding fees. 
This inconsistent and misleading reporting suggests that XXXX may be violating the Fair Credit Reporting Act ( FCRA ) by misrepresenting financial obligations and failing to provide accurate records. These actions could also fall under 15 U.S.C. 1692e ( False or Misleading Representations ), as they create confusion and undue pressure on consumers. 

XXXX. Failure to Validate Debt and Refusal to Offer Loan Restructuring Due to my XXXX status and financial hardship, I have formally requested a loan modification multiple times. Instead of working toward a resolution, XXXX  has : Denied my restructuring request outright without any review of my financial standing. 
Refused to provide a full itemized breakdown of my balance, payments, interest, and fees. 
Failed to acknowledge financial hardship protections that are commonly available. 
Under the FDCPA and Michigan consumer protection laws, a creditor must provide validation of debt upon request and can not make misleading or false statements regarding the amount owed. 

XXXX. XXXX XXXX & Disregard for XXXX XXXX XXXX has continued to harass me despite knowing that I am : An amputee with no prosthetic, relying solely on XXXX. 
Diagnosed with XXXX and experiencing heightened anxiety due to their aggressive collections. 
The repeated distress caused by their communications has been severe, making it difficult for me to function and manage my financial obligations. XXXX  disregard for my situation shows a complete lack of ethical consumer treatment and possible violations under XXXX protection laws. 

Requested Actions by the CFPB : Immediate cessation of all unlawful collection attempts. 
A formal regulatory review of XXXX  compliance with federal and state consumer protection laws. 
Correction of any discrepancies in my reported past-due balance and delinquency dates. 
A reduction or restructuring of my outstanding debt as compensation for unlawful practices. 
Possible penalties against XXXX for their disregard of fair debt collection laws. 
I have attached a full evidence packet detailing these violations, including : Call logs showing repeated collection attempts. 
Voicemail recordings of aggressive collection behavior. 
Screenshots of text messages and emails with conflicting balance information. 
Documentation of my prior cease-and-desist request and loan modification request. 

Please confirm receipt of this complaint and advise on the next steps. I am prepared to escalate this matter if necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX