Consumer complaint received 2020-07-16
Company: Cottonwood Financial Ltd.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX someone claiming to be from XXXX XXXX XXXX, whom I have never received correspondence from previously contacted a family member of mine, left a voicemail discussing debt and my account illegally. After receiving the forwarded voicemail and text message from my mother, I, in good faith called the company back on that same day, I updated my contact information, asked them to only communicate with me going forward as it was regarding supposedly an account in my name. Their agent XXXX I believe it was acknowledged verbally they would remove any other family member numbers and cease and desist communication with anyone not myself. They also provided me an email address to which I forwarded and will attach a formal request for validation as they are debt collecting I presume as a DBA under many other names however, although their company name says mediation that is not true and they made it clear and concise this call was from a debt collector .... collecting on behalf of another creditor who is not the original creditor. So at this point I felt absolutely entitled to be able to send a formal validation request which I did to the email they provided me along with a formal cease and desist communication with third parties, specifically my family members which they had already acknowledged verbally. There has been no response in the last 30 days to a validation request either by mail or email both of which addresses they provided to me, they have not returned my phone call, but have since called my family member multiple times despite my request and attempts to communicate with them verbally ( which they acknowledged XXXX as in writing. While I could only select one option regarding this complaint I feel it worth mentioning this debt collection/debt resolution company or however they are doing business as a DBA practicing debt collection, they have violated FDCPA provisions on multiple occasions.While I could only select one option regarding this complaint I feel it worth mentioning this debt collection/debt resolution company or however they are doing business as a DBA practicing debt collection, they have violated FDCPA provisions on multiple occasions 1- Did not respond to a formal validation request provided to them both by mail an email to give me information I needed about this did not respond to a formal validation request provided to them both by mail an email to give me information I needed about this account 2- Continue to contact family members and third parties after receiving a verbal as well as a written cease and desist communication notice. Having updated all my contact information so they could communicate with it about me they simply chose not to which is a clear violation of FDCPA regulation. There are other violations here besides communication tactics, misrepresentation, and threats of legal action they can not legally make if they are not attorneys which they claim to be customer service agents not attorneys when I talked to them.continue to contact family members in third parties after receiving a verbal as well as a written cease and desist communication notice. Having updated all my contact information so they could communicate with it about me they simply chose not to which is a clear violation of FDCPA regulation. There are other violations here besides communication tactics, misrepresentation, and threats of legal action they can not legally make if they are not attorneys which they claim to be customer service agents not attorneys when I talked to them

Company response to consumer: Closed with explanation