Product: Debt collection

On XXXX XXXX, 2025, at XXXX am, I was awakened by my startled and overwhelmed mother. She stated, " Someone is attempting to drive in our yard. '' Puzzled, I hopped on my feet and ran downstairs to check and see what was happening. Barefoot, I turned the security system off, and proceeded out the back door, as my mother proceeded out of the front door. The vehicle ( recognized as a towing vehicle ) proceeded over the curbside to drive into the backyard. I stood in the direction of the path so the driver would know he or she had no consent to be in our yard. This is considered an abusive and threatening practice committed by far too many companies when it comes to uninformed consumers. Title 15 chapter 41 under the subchapter Debt Collection Practices enacted by Congress says so. Furthermore, this is trespassing on my parents ' property. My mother approached the vehicle and asked what they were doing on her property, the vehicle driver asked if she was ( name goes here ), She stated, " I am not. What are you doing on my property? '' I am standing behind the vehicle in an attempt to notify them of our rights and their violations. I asked to speak to whomever their supervisor or boss may be to inform them of our consumer rights as well. As an uninformed consumer, my mother calls the police to remove them. I was an uninformed consumer but now I understand that this is an unlawful attempt to collect a debt. I do not know the company, as the driver would not provide their name. I stood barefoot in the freezing cold weather and frozen snow with nothing but a tank top and basketball shorts on to exercise my rights under the law. My mother has now walked away as she is speaking with the police. I called out to her to grab me some clothes and my phone, so I would be able to record the actions taken to oppress, abuse, and create a false belief that I have no rights or protections to my property. After about XXXX minutes, the driver opens the driverside door wearing a XXXX hoodie and states, " Are you ( name inserted here ) ''. I stated, " You are committing a crime under title 15 of the law. '' The driver then stated, " No, I am not. You didn't pay your debt. '' ( This is a violation of XXXX XXXX XXXX - communication in connection with debt collection and obscene and profane language under XXXX XXXX XXXX ( XXXX ) ). I stated, " I do not know who you are. I have never done any business with you. You are committing a crime under the law. '' He or she retreated into the vehicle and proceeded off the land after this statement. 

Under the law, these actions are abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. The FDCPA has been disregarded abundantly when it comes to debt collection practices. This encounter has contributed to invasions of our privacy. I will exercise my and my mother 's rights under the law, as they are there to protect us from consistent abusive practices. This communication is conveyed through STELLANTIS FINANCIAL SERVICES, INC. as a means to threaten me into an alleged obligation. 

Assuming the driver ( also a debt collector ) does not know the debt has been disputed as of XX/XX/XXXX, 2025, there is no excuse for ignorance of the laws that govern him or her nonetheless. I do not know who they are, thereby, I have never given any prior consent directly to them to communicate with me in connection with the collection of any debt. The conduct of the driver took place at an extremely inconvenient time for me, the consumer. I will reiterate the actions have taken place after XXXX o'clock antemeridian on XX/XX/XXXX, 2025. 

I have even sent an email to both compliance and fraud departments on XX/XX/XXXX, 2024, stating I will no longer accept the abusive practices from them or anyone else. Debt collectors have harassed me and practiced abuse and oppression for what will be the third year in a row now. XXXX XXXX XXXX ( XXXX ) was committed tonight and every other night they parked down the street or outside of my parents ' property with the threat of use of means to harm me, my reputation, or my property. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( XXXX XXXX XXXX ) is of extreme importance in these circumstances. 

I am exhausted from these abusive practices as my consumer rights and my parents ' rights were violated beyond measure. It was dark outside when these events occurred. Now that it is daylight, I will provide photos of the tire track damages left in my parents ' yard by a debt collector in an attempt to collect a debt.