Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LendingPoint Holdings LLC
State: MN

Complaint narrative:
Formal Complaint Letter Harassment and Deceptive Collection Practices To Whom It May Concern : I am submitting this complaint because I believe I am being subjected to harassing and deceptive collection practices concerning an open loan account, not a charged-off debt. 
On XX/XX/XXXX, I entered into a modified payment agreement to make automatic monthly payments of $ XXXX, due on the XXXX of each month. This agreement was confirmed, and payments were set up to occur automatically. 
Despite this, I continue to receive frequent calls, texts, and emails claiming I am past due. These contacts occur even after payments have been successfully processed, and sometimes immediately after I have already called or left a voicemail. The timing and frequency of these communications appear intended to annoy or harass and interfere with my ability to use my phone normally. 
Additionally, I have been told that my payment is late after it has already been processed, and I continue to receive messages suggesting delinquency despite a valid agreement being in place. This behavior is misleading and deceptive and causes unnecessary confusion about my account status. 
Based on my understanding of state and federal law, these actions may violate both the Fair Debt Collection Practices Act ( FDCPA ) and Minnesota law, as follows : Relevant Legal Violations 1. Harassment or Repeated Calls Under 15 U.S.C. 1692d ( 5 ) and Regulation F ( 12 C.F.R. 1006.14 ), debt collectors may not cause a phone to ring repeatedly or continuously with the intent to annoy, abuse, or harass.

Minnesota Statute 332.37 ( 12 ) also prohibits collection agencies from violating FDCPA provisions, and the Minnesota Attorney General explicitly bars harassing or excessive contact. 


2. False or Misleading Representations 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 10 ) prohibit misrepresenting the legal status of a debt or using any false or deceptive means in connection with its collection.

Minnesota Statute 332.37 prohibits deceptive or misleading communications, including false claims that a payment is overdue when it is not. 


3. Unfair or Deceptive Practices 15 U.S.C. 1692f prohibits using unfair or unconscionable means to collect a debt, including disregarding agreed payment terms.

Minnesota Statute 325D.44 ( Deceptive Trade Practices Act ) prohibits conduct that creates confusion or misunderstanding in consumer transactions. 


Additionally, the Consumer Financial Protection Bureau ( CFPB ) prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by creditors even when collecting their own open loans. 



Summary The continued calls, misleading communications, and disregard of my payment agreement are harassing, unfair, and deceptive under both federal and Minnesota law. 
I respectfully request that these communications cease immediately and that my account be updated to accurately reflect the modified agreement. 
Because this behavior appears to violate both state and federal consumer protection laws, I am submitting this complaint to the Minnesota Attorney Generals Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ) for review and enforcement. 
Thank you for your time and attention to this matter. 
FDCPA 15 U.S.C. 1692e Regulation F 12 C.F.R. 1006.14 Minn. Stat. 332.37 Prohibited Practices Minn. Stat. 325D.44 Deceptive Trade Practices Act CFPB UDAAP Overview Minnesota Attorney General Debt Collection Guidance

Company response to consumer: Closed with non-monetary relief