Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Adler Wallach & Associates, Inc.
State: CT

Complaint narrative:
I am submitting this formal complaint against AWA Collections for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., in connection with their repeated and harassing attempts to collect an alleged debt. I do not have any knowledge of this alleged debt, nor have I ever conducted business with AWA Collections. They have failed to provide any valid verification of the debt they are attempting to collect and have engaged in unlawful and deceptive practices, including falsely representing themselves as a legal entity.

1. Violation of FDCPA Section 805 ( 15 U.S.C. 1692c ) Communication without Consent AWA Collections has repeatedly contacted me via phone without my prior consent and in violation of 15 U.S.C. 1692c ( a ). At no point have I given them permission to contact me regarding any debt or otherwise. I have no contractual relationship with AWA Collections and have never entered into any agreement or transaction with them. These unsolicited communications constitute a direct violation of the FDCPA, which prohibits communication with consumers without their express consent, particularly when no prior business relationship exists.

2. Violation of FDCPA Section 806 ( 15 U.S.C. 1692d ) Harassment and Abuse AWA Collections has engaged in harassing conduct by placing numerous unsolicited and unwelcome phone calls, in violation of 15 U.S.C. 1692d. The FDCPA expressly forbids 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 repeated calls, despite my lack of acknowledgment of the alleged debt and my demand to cease communications, amount to harassment.

3. Violation of FDCPA Section 807 ( 15 U.S.C. 1692e ) False or Misleading Representations AWA Collections has falsely represented themselves as a legal entity in attempts to collect the alleged debt, in direct violation of 15 U.S.C. 1692e. This section prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. AWA Collections has attempted to mislead me by falsely implying legal authority to enforce a debt I do not owe and for which they have provided no valid proof.

4. Violation of FDCPA Section 809 ( 15 U.S.C. 1692g ) Failure to Validate the Debt Despite repeated communications from AWA Collections, they have failed to provide any documentation or evidence to substantiate the existence or validity of the alleged debt, in violation of 15 U.S.C. 1692g ( b ). The FDCPA mandates that within 30 days of the initial communication, a consumer may request validation of the debt. No such validation or verification has been provided, leaving the nature of the debt and the legal right to collect it in question. 


Thank you for your attention to this matter. I look forward to the swift resolution of this complaint.

Company response to consumer: Closed with explanation