Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Lela Mae Portfolio Management Group
State: WI

Complaint narrative:
I am submitting this complaint because Lela Mae Portfolio Management Group LLC is attempting to collect an alleged debt in a manner that violates the Fair Debt Collection Practices Act ( FDCPA ) and CFPB regulations. They sent me an unsolicited email regarding an alleged account originally from XXXX XXXX XXXX, but have failed to provide any legally required validation before demanding payment. 

On XX/XX/year>, I received an email from Lela Mae Portfolio Management Group LLC stating that : Your account is scheduled to be closed and escalated on XX/XX/XXXX. 

They threatened escalation, implied additional fees or penalties, and pressured me to pay immediately using an online payment link XXXX XXXX XXXX XXXX  ). They provided : An alleged balance of {$1000.00} An original account number : XXXX A Reference ID : XXXX However, they provided no validation, no documentation, and no proof that this debt is legitimate, accurate, or legally collectible. 

This conduct violates federal law. 

XXXX. Federal Laws Potentially Violated FDCPA 15 U.S.C. 1692g ( b ) Failure to Validate the Debt They demanded payment and threatened consequences without supplying : A copy of the original signed loan agreement Proof of assignment or ownership of the debt A complete itemized accounting Any verification that this debt is even mine FDCPA 15 U.S.C. 1692e ( 5 ) Threatening Action Not Intended or Permitted The letter threatens escalation, but never explains what that means. 
This is a classic scare tactic used to force payment. 

FDCPA 15 U.S.C. 1692e ( 10 ) False or Deceptive Means Their vague warnings : We can not be held responsible for any additional fees or penalties after your account leaves our office. 

This is misleading and coercive. 

FDCPA 15 U.S.C. 1692f Unfair or Unconscionable Practices Pressuring payment through deadlines, threats, and hyperlinkswithout evidenceis an unfair practice. 

Unauthorized Communication by Email I did not give consent for communication via email for debt collection purposes. 


XXXX. Why This Complaint Is Being Filed I am deeply concerned that : The company may be engaged in debt collection without documentation. 
The debt may be unverified or fabricated.

Escalation threats may be illegal intimidation.

The company may be using non-secure payment links to obtain funds.

This may be part of a pattern of deceptive practices affecting consumers nationwide.

I have requested validation, which is required by law, and have instructed them to cease collection until proper documentation is provided. 



XXXX. What I Want the CFPB To Do I respectfully request that the Consumer Financial Protection Bureau : XXXX. Investigate Lela Mae Portfolio Management Group LLC for : Violating FDCPA 1692g ( b ), 1692e ( 5 ), 1692e ( 10 ), and 1692f Sending threatening, deceptive, and coercive communications Failing to validate debts before demanding payment Using possibly unsecure payment links XXXX. Require the company to produce full validation of the alleged debt, including : Original signed loan agreement Complete itemized accounting Proof of assignment or ownership The dates and details establishing whether the debt is legally collectible XXXX. Require the company to : Cease all collection efforts until validation is provided Cease using misleading and intimidating language Stop all unauthorized email communication XXXX. Ensure that no negative credit reporting occurs unless the debt is fully validated and legally collectible. 


XXXX. Desired Resolution I request the CFPB to : Order Lela Mae to validate or cease collection Prevent further communication unless compliant with federal law Investigate for potential patterns of deceptive practices Require correction of any inaccurate reporting Enforce compliance penalties if violations are confirmed I am including a copy of the email they sent in support of this complaint. 



XXXX. Supporting Documentation I will upload : The complete email from Lela Mae Portfolio Management Group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation