Consumer complaint received 2020-02-10
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX  XXXX XXXX XXXX, XXXX. debt collection agency has willingly and knowingly violated the following and not limiting to FDCPA and TCPA Violations. On 45 separate occasions has XXXX  XXXX willingly and knowingly contacted the private number on said account TCPA Violation 47 U.S.C 227. In addition to 45 separate occasions violating the consumer on said documents, FDCPA Violation 15 USC 1692 ( a-j ). XXXX  XXXX XXXX XXXX, XXXX has also committed identity theft against said consumer, that will hold additional penalties. call log attached in submitted documents. 
15 USC 1692 ( e ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
47 U.S.C 227 b ) Restrictions on use of automated telephone equipment ( 1 ) Prohibitions : It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States ( A ) to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice ( i ) to any emergency telephone line ( including any 911 line and any emergency line of a hospital, medical physician or service office, health care facility, poison control center, or fire protection or law enforcement agency ) ; ( ii ) to the telephone line of any guest room or patient room of a hospital, health care facility, elderly home, or similar establishment ; or ( iii ) to any telephone number assigned to a paging service, cellular telephone service, specialized mobile radio service, or other radio common carrier service, or any service for which the called party is charged for the call, unless such call is made solely to collect a debt owed to or guaranteed by the United States ; ( B ) to initiate any telephone call to any residential telephone line using an artificial or prerecorded voice to deliver a message without the prior express consent of the called party, unless the call is initiated for emergency purposes, is made solely pursuant to the collection of a debt owed to or guaranteed by the United States, or is exempted by rule or order by the Commission under paragraph ( 2 ) ( B ) ; ( C ) to use any telephone facsimile machine, computer, or other device to send, to a telephone facsimile machine, an unsolicited advertisement, unless ( i ) the unsolicited advertisement is from a sender with an established business relationship with the recipient ; ( ii ) the sender obtained the number of the telephone facsimile machine through ( I ) the voluntary communication of such number, within the context of such established business relationship, from the recipient of the unsolicited advertisement, or ( II ) a directory, advertisement, or site on the Internet to which the recipient voluntarily agreed to make available its facsimile number for public distribution, except that this clause shall not apply in the case of an unsolicited advertisement that is sent based on an established business relationship with the recipient that was in existence before XX/XX/2005, if the sender possessed the facsimile machine number of the recipient before XX/XX/2005 ; and ( iii ) the unsolicited advertisement contains a notice meeting the requirements under paragraph ( 2 ) ( D ), except that the exception under clauses ( i ) and ( ii ) shall not apply with respect to an unsolicited advertisement sent to a telephone facsimile machine by a sender to whom a request has been made not to send future unsolicited advertisements to such telephone facsimile machine that complies with the requirements under paragraph ( 2 ) ( E ) ; or ( D ) to use an automatic telephone dialing system in such a way that two or more telephone lines of a multi-line business are engaged simultaneously.

Company response to consumer: Closed with explanation