Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (MI)

My phone line was ported in early XX/XX/2020 from XXXX to the XXXX XXXX XXXX for the line with phone number XXXX XXXX. My account with XXXX was required to be in good-standing BEFORE XXXX allowed this number to be ported out. 
I was required to obtain a release PIN by contacting a XXXX representative over the phone in order to port out. In speaking with that representative I was asked why it was I was choosing to port and whether or not I was satisfied with the service I received from XXXX. I explained that I was porting my phone line, but that I was satisfied with my XXXX data plan for the tablet line. The representative gave me the required PIN and my phone line was ported. XXXX has continued to charge me for services rendered on a phone line that does not have a phone number attached to it. The phone line should have been terminated upon port. 

It should be understood that the date of the collection notice is XX/XX/2020, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specific in that I am not to leave my home for reasons other than obtaining groceries or prescription medications. Consequentially, I am unable to dispute any alleged collection notices in writing by mail during the COVID-19 crisis/epidemic. That is, outside of the CFPB I have no ability to exercise my Right of Notice and Opportunity to Be heard that I am afforded as a part of my rights of Due Process. 

EOS CCA lists itself with a mailing address in the Commonwealth of Massachusetts. On XX/XX/2020 that state 's Attorney General filed regulations with that state 's Secretary of State prohibiting creditors from debt collection that requires individuals to leave their homes. The specific regulation is 940 CMR 35.00 and took effect immediately, and is effective for ninety ( 90 ) days from date of filing, or until the state of emergency within MA is over. The regulation prohibits debt collectors from methods of debt collection that can require people to leave their homes or have in-person contact. Disputing the debt, which is within my rights, requires me to leave my residence to mail a dispute to EOS CCA and request verification and validation of the alleged debt. Thus, by simply sending the debt collection notice with date XX/XX/2020, EOS CCA employed debt collection processes that would compel me to leave my home to exercise my right of Due Process. As such, EOS is using tactics that are in violation of 940 CMR 35.00, and that require me to disobey my State 's travel restrictions.

Overall, it is wholly unconscionable that ANY debt holder/firm would seek to collect on a debt when over ninety ( 90 ) percent of the United States population is subject to mobility restrictions because of the pandemic. Furthermore, it is wholly unconscionable that a firm would continue to operate when their state 's executive regulations and/or orders bar them from conducting certain courses of business.