Consumer complaint received 2015-12-16
Company: Peak Acceptance, LLC.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 'm not really sure if this is relevant to CFPB as I ca n't seem to find any relevant information regarding my situation. So I 'm pasting a copy of my original complaint to the State of Nevada Division of Finanicial Institutions for FDCPA violations. 
On XXXX XXXX, 2015, Peak Acceptance, a Sub-Prime Auto Lender, in an attempt to collect payment on an auto loan I 've had with them since XXXX 2015, a representative violated the Federal Debt Collections Practice Act by placing a call to my cell phone at XXXX Pacific Standard time and attempted to collect payment at what is clearly outlined under the FDCPA as an inconvenient time to me. 
I had requested several times that a manager contact me regarding the violation of the FDCPA against me and they failed or neglected whichever it may be to contact me. 
I made several calls between XXXX XXXX, 2015 and spoke to many " Customer Service Reps '' requesting and demanding that a manager call me to discuss this matter and I finally got a representative to say " We are handling the customer service for Peak Acceptance ''. I asked the representative " are you a collection agency? '' the representative responded " yes we are ''. I asked the representative " What is the REAL name of your company, and he replied back " XXXX Logics ''. 
On XXXX XXXX, 2015 at XXXX I received a voicemail from XXXX XXXX, from Peak Acceptance asking me to call her back at ( XXXX ) XXXX which I did promptly. She asked " what is the problem ''? I told her " your agency violated both State and Federal FDCPA laws calling me at XXXX., on XX/XX/XXXX.She responded " I will have to pull the phone log for that day and listen to the call and talk to my accounting department ''. I 've not heard back from her since. 
I know of one person who says she works for Peak Acceptance, her name is XXXX XXXX and her number is ( XXXX ) XXXX and she is the representative for Peak Acceptance Support Desk. I ca n't seem to find a Corporate Number for Peak Acceptance and that bothers me because I have no one to complain to that a Collection Agency is calling me when my payment is a day late and violating State and Federal Laws. 
I 've had several auto loans, and I 've always gotten called from the actual finance company about my payment being late. 
I do n't like the fact that 1. I 've been dealing with a collection agency to handle my loan servicing needs. Which tells me that, they have all of my Consumer Credit Information which means they can pull and review my credit report and see I have other accounts " small '' in collections and attempt to contact that creditor or other collection agency to obtain the account and collect on it. 
2. I was not advised that collections are handled by an outsourced company a collection agency for that matter until XXXX 2015 months after getting the loan when XXXX contacted me to defer a few payments. 
3. I do n't appreciate being read the " Collection Miranda '' every time I called " customer service ''. It 's insulting and degrading whether my payments are on time or not. 
If the CFPB has any rules or policies regarding this matter, I 'd sure like to hear from someone about this good or bad.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation