Consumer complaint received 2021-12-10
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A follow-up to my previous CFPB Complaint : # CFPB Complaint # XXXX. ( I wish you had not closed this out prematurely. It has not been resolved, and I replied to their reply that they lied and it was unacceptable, BUT you had already closed it out ). So your " complaint reporting model '' is flawed because it does not allow the consumer to later add IMPORTANT INFORMATION that occurred later ( today - XX/XX/XXXX -in fact ). 

But here we go with NEW additional Evidence that this company LIES and CONTINUES TO BREAK FEDERAL LAW! Four parts : ( 1 ) My original complaint ; ( 2 ) The company 's response that they had ceased communications ( 3 ) My reply that they lied and ( 4 ) PROOF OF CONTINUED CONTACT!! ( which proves their reply was a lie ***AND THAT THIS COMPANY CONTINUES TO VIOLATE THE FDCPA AFTER RECEIVING A " CEASE AND DESIST '' LETTER.! *** ( 1 ) MY ORIGINAL COMPLAINT : I borrowed {$700.00} from Atlas Credit Company , Inc., XXXX, on XX/XX/XXXX. The monthly payment due is {$98.00} for 11 months. I had previously borrowed from them and in less than a month, I REPAID THEM IN FULL. But I borrowed again later, and this time I can not make my payments, and I do indeed owe them their money. That said, the Branch Manager XXXX XXXX continues bombard me with collection letters, EVEN AFTER I sent them this letter : XX/XX/XXXX Atlas Credit Co. , IncXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To XXXX ( or to Whom It May Concern ) : I borrowed {$700.00} from you. I am unable to repay any of it. I do not have a telephone whatsoever at this time ( mine broke ), and do not know when - or if- I will be able to afford one. My references for the loan are being constantly pestered. In accordance with the " Fair Debt and Collections Privacy Act '' : 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. This is your written notification that I want you to cease further communications with both me and all of my references. I will report any and all violations of this law by your company to the appropriate agencies, from this point forward. I am sorry this has happened, but this is the situation that I find myself in. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX She is violating federal law in that she is required by law to now either tell me they plan to sue me or write off the debt. I am sick of this and her company should be reprimanded for their illegal actions. ( My telephone broke and so please contact me by my email address : XXXX. I have not yet replaced the phone, BUT it is NOT due to my trying to avoid collection calls ). 

( 2 ) COMPANY RESPONSE : We have upheld the requests made by the consumer within the cease & desist request when we received it on XX/XX/XXXX. Per the cease & desist letter, we ceased collection calls and field visits in XX/XX/XXXX. We can not speak to the timing of further steps that may or may not be taken against the consumer. When further actions are set to be executed, we alert the consumer. We stand ready and willing to help the consumer during this situation in any way possible. 

( 3 ) MY FEEDBACK : THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Absolutely Incorrect! Branch Manager " XXXX XXXX '' sent me " ANOTHER ATTEMPT TO COLLECT '' letter within the last few days!! So No- whoever wrote my reply back is incorrect or a liar. And that is just a fact. I suggest they QUICKLY contact her to stop harassing me! Otherwise, I will continue to complain about Atlas Credit violating Federal Law by reporting this through other federal agencies. XXXX XXXX XX/XX/XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes ADDITIONAL COMMENTS ( See my response above ). They are not allowed by law to continue harassing me. Their reply says they have stopped, yet they have not. -XXXX- THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS NO! I quoted the FDCPA section regarding " Cease and Desist '' when I notified Atlas Credit. The answer to this question would be " Yes '' instead of " No '', except Atlas Credit CONTINUES to communicate with me in a harassing manner. They need to contact their XXXX, TX branch manager and tell her to stop. Then, in accordance with the FDCPA, they have the right by law to contact me and inform me of their intention to sue, write it off, etc. But only THAT form of communication is allowed by Federal law. -XXXX- ( 4 ) ANOTHER LETTER RECEIVED TODAY ( XX/XX/XXXX ) FROM THE SAME BRANCH MANAGER! ( Please see attached )!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation