Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Marine One Acceptance Corporation
State: TX

Complaint narrative:
Detailed Statement of Harassment and FDCPA Violations by Marine One Acceptance Corporation I am writing to formally document and report the ongoing harassment and unlawful behavior by Marine One Acceptance Corporation in their attempts to collect an alleged debt. 

Marine One has repeatedly engaged in invasive and unauthorized third-party contact, including : My former employers My grandparents My parents Other relatives My wifes grandparents My wifes relatives None of these individuals are co-signers, guarantors, or otherwise legally connected to the debt in question. Despite this, Marine One representatives have contacted them multiple times, sometimes repeatedly, attempting to discuss or reference the debt, which is a direct violation of federal consumer protection laws. 

This behavior is not only deeply inappropriate it is borderline harassment, and it has caused confusion, embarrassment, and unnecessary concern for several family members who are elderly or unaware of the situation. 

Violations of Federal Law ( FDCPA ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ), debt collectors are prohibited from contacting third parties about a consumers debt without express permission from the consumer, unless solely to obtain location information and even then : They may only contact a third party once, unless the third party specifically requests additional contact.

They may not disclose that the consumer owes a debt.

They may not intimidate, harass, or pressure third parties into providing information or influencing the debtor.

By contacting my employers, extended relatives, and members of my wifes family, Marine One has violated these provisions and caused unnecessary disruption in both my personal and professional life.

Impact on Me and My Family This continued misconduct has resulted in : Reputational harm within my former workplace.

Emotional distress for my elderly grandparents and my wifes grandparents.

Strained relationships due to repeated contact with uninvolved family members.

Embarrassment and anxiety, both for myself and my immediate family.

These contacts serve no legal or ethical purpose and appear solely intended to coerce or shame me into compliance through intimidation.

Formal Request I am demanding that Marine One Acceptance Corporation : Immediately cease and desist all communication with any third parties, including but not limited to past employers, relatives, and members of my wifes family.

Limit all future communication to me directly and in writing only.

Provide written confirmation that this request will be honored.

Failure to comply with this demand will result in immediate formal complaints to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office And, if necessary, legal counsel to pursue all remedies available under federal and state consumer protection laws.

Company response to consumer: Closed with explanation