Consumer complaint received 2021-07-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Central Holdings, LLC (SC)

On XX/XX/2021 I sent a notarized debt validation letter via certified mail to Credit Central and they received it on XX/XX/2021. The validation letter also states to cease all communication unless it's through mail and it's responding to the validation of the alleged debt. Today, XX/XX/2021 I received a phone call at XXXX from the collection company asking when would I be paying a debt? I asked the debt collector who gave her permission to call my phone and she got quiet and then said that she was trying to see when I was going to be able to pay my alleged debt. I asked her again, " who gave you permission to call my phone? '' She then hung up on me. At XXXX I received another phone call from a gentleman asking me when I was going to make a payment on an alleged debt. I asked him when did he get permission to call me and he just kept going on and on angrily until I just told him to have a good day. Pursuant to 15 usc 1692D " A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' Also the definition of debt under 15 usc 1692A ( 5 ) is " The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' The definition of consumer under 15 usc 1692A ( 3 ) is " The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. '' I also received a letter from the debt collector on XX/XX/2021 stating that they have made several attempts to contact me about my account that came due in the amount of {$280.00} which may include late fees. They then proceeded to say that they reviewed my account and it shows I have {$160.00} cash available and if I wanted to take advantage of the offer I needed to contact them TODAY! Pursuant to 15 usc 1692J ( A ) " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( B ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. ''