Consumer complaint received 2022-06-13
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
As per your response to my complaint date on XXXX,, you responded back on XXXX you stated there were no violations that took place, based on the attached invoice attached and demand for payment. You also claim the is no validity to my claims, please see all 14 violations found on your notice that you mailed to me. PLEASE SEE ATTACHED COLLECTIONS LETTER FROM YOUR COMPANY.

15 USC 1692 ( B ) ( 4 ) not communicate by post card ; 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( C ) ( A ). Without prior consent a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Affiant never lived in this state. 


15 USC 1692 ( D ) ( 2 ). The use of obscene or profane language or language that natural consequences of which is to abuse the hearer or reader.

15 USC 1692 G ( A ) 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, the amount of the debt, the name of the creditor to whom the debt is owed.

15 USC 1692 ( E ) ( 1 ). A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that the debt collector is vouched for, bonded by 15 USC 1692 ( F ) ( 8 ) ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Based on this law I can collect these damages 15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation