Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: FL

Complaint narrative:
CEASE AND DESIST COMMUNICATION & NOTICE TO DEBT BUYER Account Number : [ # # # # # XXXX ] To Whom It May Concern, This letter serves as formal written notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692a, 1692c ( c ), and 1692k, and the North Carolina Debt Collection Act, N.C. Gen. Stat. 75-50 through 75-56, as well as the North Carolina Unfair and Deceptive Trade Practices Act, N.C. Gen. Stat. 75-1.1. 



CEASE AND DESIST DEMAND You are hereby directed to immediately cease and desist from any and all communication with me regarding the above-referenced alleged debt. This includes, but is not limited to, communication by telephone, voicemail, text message, email, written correspondence, social media, or communication with third parties.

FEDERAL LAW NOTICE ( FDCPA ) Under 15 U.S.C. 1692c ( c ), once a consumer provides written notice requesting cessation of communication, a debt collector must cease all communications, except to : 1. Advise that further collection efforts are being terminated ; 2. Notify that certain remedies may be invoked ; or 3. Notify that a specific remedy is being invoked. 

Any communication beyond these narrow exceptions constitutes a violation of federal law.

NORTH CAROLINA STATE LAW NOTICE Under the North Carolina Debt Collection Act, including N.C. Gen. Stat. 75-50 to 75-56, it is unlawful for a debt collector or agency to : Use harassment, threats, or intimidation ; Use false, deceptive, or misleading statements ; Contact a consumer at unusual or inconvenient times ; or Contact a consumer after being notified in writing to cease communication.

Additionally, under N.C. Gen. Stat. 75-1.1, engaging in unfair or deceptive trade practices in connection with the collection of a debt is prohibited and actionable. 
Any continued communication after receipt of this notice may constitute separate and independent violations of both federal and North Carolina law.

DEBT BUYER NOTICE ( IF YOU PURCHASED THE DEBT ) If you have purchased, acquired, or otherwise paid consideration for the alleged debt, you are considered a debt buyer, and under 15 U.S.C. 1692a ( 6 ) and N.C. Gen. Stat. 75-50 et seq., you are a debt collector subject to all federal and North Carolina protections .

Ownership of the alleged debt does not exempt you from compliance with : 15 U.S.C. 1692c ( c ) ; All prohibitions against harassment, abuse, or deceptive practices under the FDCPA ; and All North Carolina licensing, debt collection, and consumer protection laws. 

Any continued contact after receipt of this notice will be treated as a knowing and willful violation of both federal and state law. 



REQUEST FOR LICENSING & OWNERSHIP VERIFICATION If you claim any right to collect this alleged debt, I am requesting verification of : Your North Carolina collection agency license or registration, if applicable ; and Your documented chain of title evidencing ownership of the alleged debt, including any assignments or bills of sale.

Failure to possess or produce such documentation may constitute additional violations of North Carolina law.

NOTICE OF INTENT TO ENFORCE RIGHTS Should you fail to comply with this demand, I will document each violation and
may pursue all available remedies, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) ; Filing complaints with the North Carolina Attorney Generals Office ; and Seeking actual damages, statutory damages, attorneys fees, and court costs pursuant to 15 U.S.C. 1692k and N.C. Gen. Stat. 75-56. 

This letter is not an acknowledgment of the alleged debt, not a promise to pay, and not a waiver of any rights or defenses. All rights are expressly reserved. 


XXXX XXXX

Company response to consumer: Closed with explanation