Consumer complaint received 2023-07-04
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a new CFPB complaint that is a continuation to a previous complaint against XXXX XXXX XXXX XXXX XXXX I reported in XX/XX/XXXX. The previous CFPB case number is XXXX. 
I received a new debt validation letter from Credit Control LLC, collecting for XXXX, on XX/XX/XXXX. XXXX has sent a new collection company after me in complete disregard to their FDCPA violations I reported in XXXX. To summarize the XXXX complaint : I had a standing agreement with XXXXXXXX XXXX XXXX XXXX XXXX  to not call me on the phone, and to put all their communication with me in writing. This is not a gimmick Im using to slow down any creditors! Its just for my own safety, because Ive had some BAD past experiences with trying to have legal/financial conversations on the phone where the other person just denies everything later! 
In XXXX, XXXX / XXXX did something very strange ( and very illegal ) with the debt account they own. They took it out of their system for a few weeks on XXXX  website, and then put it back in their system with a new account number and immediately started calling me again. They violated my request to only contact me in writing, which is prohibited under FDCPA law 15 USC 1692c. I scanned the original letter I received from XXXX compliance department in XXXX saying they would only contact me in writing on the complaint as proof. 
Im going to tell you the same thing Im telling all of my creditors right now : Ill pay you what I can reasonably afford, but IM NOT PAYING YOU ANYTHING ONCE YOU VIOLATE MY CONSUMER RIGHTS! I have to protect myself from you SOMEHOW! By demanding me to pay this XXXX  account NOW, youre perpetuating the FDCPA violations Ive already reported against you! 
My financial and mental resources are stretched urgently thin this month ( XXXX ) because another creditor, XXXX, decided they want to randomly sue me into bankruptcy for no reason, without even trying to warn me first. And the lawsuit itself MIGHT be a criminal action, because I HIGHLY suspect XXXX  might be related to the anonymous Identity Theft troll Ive been victimized by for the past six months! Maybe it was a bank opening up bogus accounts in my name to verify my address? Just to see how long it will take me to catch the accounts and close them? I dont know whats going on, but it strikes me as more than just a tiny coincidence when you look at XXXX timing and their adversarial attitude. Now XXXX wants to play abusive bully games with me too. 
I was also suspecting XXXX  is illicitly communicating with XXXX  to help XXXX  get around their phone call violations, and this new XX/XX/XXXX letter from Credit Control LLC XXXX XXXX has only strengthened those suspicions. 
The entire Identity Theft issue has been reported to the local police, and XXXX XXXX XXXX office ( they own one of my other defaulted accounts ) is currently doing an investigation on their side to see if they can help me. If XXXX  DOESNT decide Wait, this was a mistake. This isnt the right time or the right way to do this and they DONT withdraw their suit within the next 20 days, then I need to save every resource I have to find a lawyer to argue in court for me, and possibly file counter-suit against XXXX. Otherwise, Ill just be pleading my situation to XXXX XXXX by myself on XX/XX/XXXX! Im extremely terrified and extremely angry at the same time! 
Im going to make this point clear again : Any financial judgment against me is going to result in this : ALL debt payments stop to ALL creditors IMMEDIATELY. Even my open revolving ones. Ill keep my car loan current for the next several months, and once I have enough saved up for a bankruptcy attorney, Im filing for bankruptcy! THATS THE ONLY OPTION YOURE FORCING ME INTO if we continue down this path! One : Im already insolvent about four-to-one to begin with. Two : I am NOT going to live with a bank having a judgment against me as their legitimate cover to go diving into my checking account whenever they want, when I have reason to suspect the same bank or group of banks may have been frauding me with the Identity Theft to begin with!

Yes, Im in debt. I understand that. If you ever sat down and read my entire insane family situation, youd understand its not 100 % my debt. But even disregarding that, Im still a human being whos supposed to have some legal rights in the debt collection process! For starters, why is it so hard to contact someone in writing when they ask you to PLEASE ONLY CONTACT THEM IN WRITING? 
My income is {$2500.00} per month. I only have a few hundred dollars of wiggle room every month for ALL extra expenses, and soon Im going to have to start paying student loans again. My only big assets are my XXXX car that is financed until XXXX and my 401 ( k ) that is sealed away until the 2050s. Bullying and threatening isnt helping you when I have nothing left to give you! Unless youd like to force me into filing for bankruptcy first thing in XXXX, Im asking you and your associates to LEAVE ME ALONE!

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