Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Land Collections, Inc. (UT)

I am submitting a complaint against Mountain Land Collections, LLC dba MLC ( hereafter referred to as MLC ) because they have blatantly violated the Fair Debt Collection Practices Act including 15 U.S.C. 1692g, 15 U.S. Code 1692c, and 15 U.S. Code 1692e. 

Per the signature and certified mail number XXXX, MLC signed for and took receipt of the notarized legal notice of Debt Validation letter on XX/XX/2024, at XXXX. See attached copy and signature. 

Per the signature and certified mail number XXXX, MLC signed for and took receipt of the notarized legal notice of Failure to Provide Validation of Debt with Opportunity to Cure and Notice of Intent Fee Schedule on XX/XX/2024, at XXXX. See attached copy and signature. 

Per the signature and certified mail numbers XXXX, XXXX, XXXX, and XXXX, MLC signed for and took receipt of four copies of the notarized legal notice of Violations to the Fair Debt Collection Practices Act and Fee Schedule with an invoice for damages on XX/XX/2024, at XXXX. See attached copies and signatures. 

Per the signature and certified mail number XXXX, MLC signed for and took receipt of the notarized legal notice of Final Notice on XX/XX/2024 at XXXX. See attached copy and signature. 

To date I have not received any validation of debt. The only letter received was dated on XX/XX/2024, stating that it is now the current intention of MLC to cease any further collection action with regards to my account. The reference of account number XXXX was omitted on this letter. However, this shows that my notices were received, but validation was denied and FDCPA violations were committed. It was requested in all my certified mail communications that all/any response ( s ) be sent to me using the postal rule ; sent via certified mail via U.S.P.S. The letter dated XX/XX/2024, was not sent using certified mail but first-class mail. 

Violation of 15 U.S.C. 1692g. MLC has never provided debt validation as requested in writing. This written request was signed for via certified mail XXXX at XXXX on XX/XX/2024. 

Violation of 15 U.S. Code 1692c. MLC broke the written request, that was signed for on XX/XX/2024, that no calls should be made by their agency or company to my residence or workplace. I received a call from MLC twenty-three days after MLC signed for my written request of no phone contact. This phone call occurred on XX/XX/2024, at XXXX ( see attached screen shots for proof of call in the Violations to the Fair Debt Collection Practices Act letter ). I informed the gentlemen who called that he was breaking the notice received by certified mail, however he continued to try and engage in conversation. This is a blatant violation of the FDCPA Section 805 ( c ), as well as the received civil Notice of Intent Fee Schedule signed for by MLC. 

Violation of 15 U.S. Code 1692e. MLC presumably used false, deceptive, and/or misleading representation or means in connection with the collection of the debt by false representation of the character, amount, or legal status of the debt. 

It is my request that I be given remedy per 15 U.S. Code 1692k Civil liability. Further stated, 15 U.S. Code 1692k ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of : ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs. 

Due to the deceptive nature and multiple violations, I am requesting to be remedied {$1000.00} immediately per FDCPA as well as any amount seen fit by MLC. Should this matter not be settled through this forum I will seek actual damages for emotional stress, lost wages, psychological distress, dishonor, attorney fees ; and violations of the Notice of Intent Fee Schedule, as received and signed for by MLC on XX/XX/2024, at XXXX. Damages disclosed at the time were in the amount of {$11000.00}. MLC may contact me directly to settle this matter.