Consumer complaint received 2021-04-21
Company: Collection Associates, Ltd.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding Collection Associates, LTD ( Debt collector ). My account Number is XXXX. On XX/XX/2021 Collection Associates, has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I would like to ask how my location information was gotten, and who provided consent to communicate with me ( consumer ). ). XXXX XX/XX/2021 I received a Letter from Collection Associates. In the initial communication as defined under 15 U.S.C. ) 1692a ( 2 ) Debt collector has communicated with me at an unusual time & place which was inconvenient to me, this is in violation of 15 U.S. Code 1692c. In those statement letter debt collectors failed to appropriately identify the creditor. Also, in those statement debt collectors was not given prior consent from me to communicate with me in connection of this debt, which I would like Collection Associates to provide me my writing consent of such action, If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ) The statement letters that I received was not confirming location information instead they have accused me ( consumer ) of alleged debt to harassed me to coerce payment on that debt they have advertised to me which has ruin my reputation, Is a violation of 15 usc 1692d ( 4 ) and 15 usc 1692b ( 1 ) ( 2 ) Collection Associates ( Debt collector ) has use deceptive and unfair mean to collect debt from me. The letter indicating that we are not obligated to renew the offer, this statement falsely suggested that the one-time payment option was time-sensitive when, in fact, Collection Associates would have renewed the offer to accept a one-time payment for the full balance at any time while it still owned the debt. Collection Associates knew or should have known that its actions are violating the FDCPA but neglected to do so and failed to adequately review its actions to ensure compliance with the law. Also, these letter uses language that has confusing me since it is unclear as to whether the account was currently accruing interest. The letter was confusing to the least unsophisticated consumer whether the settlement offer would require me to forego my rights to validate the debt, whether requesting verification of the debt would be interpreted as a rejection of the settlement offer. This collection letter was unclear as to how to dispute the debt, or how would the proceed would work if the consumer mailed a dispute. Im verbally disputing the validity of this debt with Collection Associates. On XX/XX/2021 i have mail this office my dispute letter with a Cease and desist letter, and a invoice. I the original creditor im requesting Actual and statutory damages For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX XXXX Dollars ( XXXX ) to settle. If this offer is not accepted, my next step will be taking this to litigation.

Company response to consumer: Closed with explanation