Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credee Corporation
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting an official complaint against CREDEE for repeated, harassing phone calls that violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d ( 5 ), which prohibits causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass any person. 

Summary of Violation On XX/XX/year>, CREDEE placed XXXX back-to-back phone calls to my personal phone number within a period of XXXX minutes, as follows : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  I did not have a chance to answer any of these calls and these calls were made consecutively and with no legitimate business reason to call at such frequency. The pattern demonstrates clear intent to annoy, pressure, or harass, which is a direct violation of federal law. 

This is Illegal because : The FDCPA explicitly prohibits : Repeated or continuous phone calls Calling with the intent to annoy, abuse, or harass Calling back immediately after no answer Excessive, clustered calls within a short time period CREDEEs behavior meets multiple criteria for harassment under the FDCPA. 

Additionally, repeated unwanted calls are also considered unfair and abusive under the Consumer Financial Protection Act. 

Request for Enforcement Action Given the clear violation, I am requesting that your office : 1. Investigate CREDEE immediately 2. Enforce penalties, fines, or corrective actions as appropriate 3. Require CREDEE to cease all harassing phone contact 4. Ensure the company complies with all federal consumer protection laws I have documented the timestamps of all calls and will provide along with this complaint. 

In addition to the phone calls, I received a text message from CREDEE on XX/XX/year> that says the following, and I quote : Hello, please confirm if we should proceed with processing your missing payment now, or kindly share a definite date when you can make the payment. Im happy to work with you to arrange this and prevent the auto-debit from proceeding. Please note that your credit score may be affected, and ignoring calls or messages wont helpbut were here to assist you in resolving this matter.

Again this violates : FDCPA 1692e ( 5 ) Illegal to threaten to take any action that can not legally be taken.

FDCPA 1692e ( 10 ) Illegal to use any false representation or deceptive means to collect a debt. 
FDCPA 1692d Harassment. Especially paired with the multiple calls. 

For another reason its illegal, they said : ignoring calls or messages wont help This is pressure language, also covered under FDCPA harassment provisions, using intimidation, threats, fear, scare tactics to force me into paying. 

And the BIGGEST violation is the AUTO-DEBIT THREAT - because they said, therefore payment arrangement will stop the auto debit. Auto-debit BEEN stopped because I emailed them a revocation letter to not debit my account until I can contact the FTC/FDCPA/CFPB to investigate the deceptive practices of THE ONLINE TRADING ACADEMY - whom of which they claim to be collecting on behalf of. 
That text message alone violates : The Electronic Funds Transfer Act ( EFTA ) as it is illegal to debit my account without authorization, threaten unauthorized debits, pressure you into automatic debits, and to continue referencing debits after Ive revoked consent. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation