Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC
State: CO

Complaint narrative:
Subject : Complaint Against Debt Collection Agency for Harassment, Illegal Third-Party Contact, and False Threats Debt Collector Information : XXXX XXXX Email Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Specific Violations : Repeated Harassment of Myself and Family Members : Over the past two weeks, this debt collector has sent harassing text messages to myself and multiple members of my family, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The messages contain threatening language and false claims, such as : A supposed " bank XXXX '' within XXXX business days. 
The arrival of " enforcement teams '' at my home or business " unannounced. '' This is the sixth instance of this kind of harassment. 
Illegal Third-Party Contact : The debt collector is disclosing personal information about my alleged debt to family members, violating the FDCPA, which prohibits such communication unless it is solely for locating the debtor. 
False and Deceptive Threats : They have made unfounded claims about legal actions that are not supported by any court filings or documentation. For example : " Full bank XXXX. '' " Enforcement teams arriving at my home or business. '' Failure to Validate the Debt : Despite the harassment and threats, the debt collector has not provided any verification of the debt, as required by the FDCPA. 
Impact on XXXX and XXXX XXXX : The repeated harassment has caused emotional distress for me and my family members. 
My family has been unnecessarily involved and subjected to intimidating communications. 
The nature of these messages leads me to believe that this debt collector may not be legitimate or is engaging in predatory practices. 
What I Request from the CFPB : Immediate Investigation : Determine whether XXXX and XXXX is a legitimate, licensed debt collector. 
Review their actions for violations of the FDCPA and other applicable laws. 
Cease Harassment : Require the debt collector to immediately stop contacting me and my family members. 
Enforcement Action : Impose fines and penalties if they are found to be in violation of federal law. 
Protect My Rights : Ensure that all further communications, if any, comply fully with federal and state laws. 


Here is the text XXXX XXXX XXXX XXXX XXXX XXXX XXXX  received. This is one of many that we have received from them. 

XXXX XXXX XXXX XXXX XXXX, XXXX, due to the breach of contract my client is requesting a full bank XXXX. It will typically take effect in XXXX business days depending upon how quickly your bank processes it. Also, I just emailed our enforcement team to let them know you never showed an interest in scheduling a time for them to arrive so I instructed them to arrive unannounced. Please make anyone that will be at any business or home address tied to you know that they may be arriving. Thanks, XXXX at XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation