Consumer complaint received 2024-08-22
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Source Receivables Management LLC (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against SOURCE RECEIVABLES M for Violations of the Fair Debt Collection Practices Act Dear Sir/Madam, I am writing to formally lodge a complaint against SOURCE RECEIVABLES M for their ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c ( c ), and related regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Details of the Complaint : Background : On XX/XX/year>, I communicated with SOURCE RECEIVABLES M and explicitly requested that they cease all further communication with me regarding the alleged debt. This request was made pursuant to my rights under 15 U.S.C. 1692c ( c ), which mandates that a debt collector must cease communication with a consumer upon receiving a written request to do so, except under limited circumstances such as informing the consumer of the termination of collection efforts or notifying the consumer of specific legal actions that may be taken.

Violation of 15 U.S.C. 1692c ( c ) : Despite my clear request, SOURCE RECEIVABLES M has continued to contact me in connection with the alleged debt. This repeated and unsolicited contact is in direct violation of 15 U.S.C. 1692c ( c ). This statute explicitly prohibits debt collectors from contacting consumers once a cease communication request has been made, except as permitted under the law. The continued communication by SOURCE RECEIVABLES M is not only a violation of federal law but also constitutes harassment. 

Violation of 12 C.F.R. 1006.6 ( c ) ( 1 ) ( Regulation F ) : The CFPB 's Regulation F, which implements the FDCPA, further reinforces the requirements set forth under 15 U.S.C. 1692c ( c ). Under 12 C.F.R. 1006.6 ( c ) ( 1 ), a debt collector must cease communication with the consumer after receiving a written request to do so. SOURCE RECEIVABLES M 's failure to comply with this regulation is an additional violation that exacerbates the harm caused to me.

Violation of 15 U.S.C. 1692d : The repeated and unwanted communication from SOURCE RECEIVABLES M also constitutes harassment under 15 U.S.C. 1692d, which prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The actions of SOURCE RECEIVABLES M have caused me significant stress and anxiety, further emphasizing the need for immediate enforcement action.

Violation of 15 U.S.C. 1692k ( Civil Liability ) : Under 15 U.S.C. 1692k, SOURCE RECEIVABLES M is subject to civil liability for their violations of the FDCPA. This statute allows for the recovery of actual damages, statutory damages up to {$1000.00}, and attorney 's fees in the event that the debt collector is found to have violated the FDCPA. Given SOURCE RECEIVABLES M 's blatant disregard for the law, I am seeking damages as permitted under this statute and request that the CFPB ensures these damages are pursued to the fullest extent. 

Requested Relief : In light of these violations, I respectfully request the following actions be taken : That the CFPB investigates SOURCE RECEIVABLES M for their non-compliance with the FDCPA and applicable regulations under Regulation F. 

That SOURCE RECEIVABLES M be compelled to immediately cease all communication with me, except as expressly permitted by law, and that they be penalized for their violations of federal law. 

That appropriate corrective actions be taken against SOURCE RECEIVABLES M, including but not limited to fines, penalties, and any other remedies deemed appropriate by the CFPB to prevent further violations. 

That the CFPB ensures that any negative information placed by SOURCE RECEIVABLES M on my credit report as a result of their unlawful actions be removed. 

That the CFPB assists in the pursuit of civil liability under 15 U.S.C. 1692k, ensuring that I am compensated for the damages caused by SOURCE RECEIVABLES M 's unlawful actions. 

I trust that the CFPB will take swift and decisive action to address these serious violations of federal law. Please feel free to contact me if you require any further information or documentation to support my complaint. 

Thank you for your prompt attention to this matter.